Our guide to checking your credit score and getting the right credit for you.
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Credit will be secured by a mortgage on your property. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Written quotations are available from individual lenders. Loans are subject to status and valuation and are not available to persons under the age of 18. All rates are subject to change without notice. Please check all rates and terms with your lender or financial adviser before undertaking any borrowing.
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Our guide explains what LTV (Loan To Value) is and how it will affect what type of mortgage you can get
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The LTV (or loan-to-value) refers to the amount of loan you’re looking for in relation to the overall value of your property. The percentage figure is used to reflect the proportion of the property that’s mortgaged and the amount that’s yours (known as your “equity”).
A mortgage at 95% LTV will result in a loan that’s worth 95% of the value of your property – meaning that 95% of the property will be mortgaged, and you’ll have 5% equity.
The LTV also determines the amount of deposit you’ll need. If you applied for a mortgage at 95% LTV, you’d need to put down a 5% deposit, while if you were seeking a mortgage at a lower or higher LTV, the requirements would alter. The LTV you need will ultimately be based on your circumstances, the price of the property, and the amount of deposit you’ve been able to save.
You should consider smaller banks and building societies when looking for the best 95% mortgage deals as they may have more competitive rates and offer flexibility with their mortgage underwriting.
| Provider | Rate | APRC |
|---|---|---|
|
Loughborough BS
Discounted Variable
|
1.99% | 4.9% |
|
Teachers BS
Discounted Variable
|
2.49% | 4.9% |
|
Marsden BS
Discounted Variable
|
2.54% | 5.6% |
|
Newcastle BS
Variable
|
2.54% | 5.4% |
