Your home may be repossessed if you do not keep up repayments on your mortgage.

HSBC 2 Year 1.05% Discount Special
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%2.89% variable
for 24 months
3.94%3.9% APR
Chelsea Building Society 2 Year 3.44% Fixed Branch Only
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%3.44% fixed
until 31 Oct 2016
5.65%5.4% APR
Available in branch only.
Yorkshire BS Flexi 2 Year 3.49% Fixed Branch
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%3.49% fixed
until 31 Oct 2016
4.99%4.9% APR
Available in branch only.
First Direct 2 Year 3.59% Fixed Ltd Edition
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%3.59% fixed
for 24 months
3.69%3.8% APR
Available direct by telephone only.
Clydesdale Bank 3 Year 3.64% Fixed >£150k
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%3.64% fixed
until 30 Nov 2017
4.95%4.8% APR
Yorkshire Bank 3 Year 3.64% Fixed >£150k
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%3.64% fixed
until 30 Nov 2017
4.95%4.8% APR
Chelsea Building Society Flexi 2 Year 3.64% Fixed Offset Branch
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%3.64% fixed
until 31 Oct 2016
5.65%5.5% APR
Available in branch only.
Chelsea Building Society 2 Year 3.64% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%3.64% fixed
until 31 Oct 2016
5.65%5.4% APR
Yorkshire BS Flexi 2 Year 3.64% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%3.64% fixed
until 31 Oct 2016
4.99%4.9% APR
Yorkshire BS Flexi 2 Year 3.69% Fixed Offset Branch
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%3.69% fixed
until 31 Oct 2016
4.99%4.9% APR
Available in branch only.
Chelsea Building Society 2 Year 3.79% Fixed Remortgage Branch Only
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%3.79% fixed
until 31 Oct 2016
5.65%5.5% APR
Available for remortgage and in branch only.
Chelsea Building Society 2 Year 3.79% Fixed + Cashback Branch Only
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%3.79% fixed
until 31 Oct 2016
5.65%5.5% APR
Available in branch only.
HSBC 2 Year 3.79% Fixed
0800 077 4270
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%3.79% fixed
until 30 Nov 2016
3.94%4.1% APR
HSBC 2 Year 3.79% Fixed Advance
0800 077 4270
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%3.79% fixed
until 30 Nov 2016
3.94%4.0% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website.
HSBC 2 Year 3.79% Fixed Premier
0800 077 4270
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%3.79% fixed
until 30 Nov 2016
3.94%4.0% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website.
HSBC 2 Year 3.79% Fixed
0800 077 4270
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%3.79% fixed
until 30 Nov 2016
3.94%4.0% APR
Yorkshire BS Flexi 2 Year 3.79% Fixed + Cashback Branch
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%3.79% fixed
until 31 Oct 2016
4.99%4.9% APR
Available in branch only.
Yorkshire BS Flexi 2 Year 3.79% Fixed Remortgage Branch
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%3.79% fixed
until 31 Oct 2016
4.99%4.9% APR
Available for remortgage and in branch only.
Chelsea Building Society Flexi 2 Year 3.84% Fixed Offset
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%3.84% fixed
until 31 Oct 2016
5.65%5.5% APR
Yorkshire BS Flexi 2 Year 3.84% Fixed Offset
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%3.84% fixed
until 31 Oct 2016
4.99%4.9% APR

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How to Find the Best 90% Mortgages

Your choice of 90 percent mortgages, i.e. where you borrow 90% or more of the property value, may be more limited than a few years ago but it is still possible to find a good deal.

How to Find the Best 90% Mortgages

A good selection of different types of 90% mortgages are currently available in the UK.

However, many of these deals are tailored with a particular type of borrower in mind. For instance you may need to be an existing borrower or existing customer of the lender to be in with a chance of getting one.

That said, 90% mortgages for first time buyers are more widely available than you might originally think.

Finding a buy to let mortgage 90% deal is more difficult; although not necessarily impossible though you are likely to find that your choice will be limited. Lenders usually require a deposit of at least 25% before considering you for a buy to let mortgage.

Whatever type of borrower you are it's important to remember that the best 90% mortgage deals for your circumstances may be one of a range of regular fixed mortgage, discounted mortgage or tracker mortgage deals, or perhaps an offset or current account mortgage. For this reason it's important to contemplate what you want from your mortgage deal and then look for options that suit you.

When looking for 10% deposit mortgages you should not only compare the interest rates that are applied, but also the fees and charges as these can make a big difference to the overall cost.

Often when you're borrowing 89% deposit mortgages or above, the lender will impose a 'higher lending charge' in addition to its other fees; this is something else that will impact the competitiveness of any mortgage deal, so be sure to consider this when looking for the cheapest deal.

In an ideal world, all would-be borrowers would wait until they had saved a larger deposit before applying for a mortgage. By doing this they would both improve the choice of available mortgage deals, and make the monthly mortgage payment lower.

But for those of you who are especially keen to get on the property ladder, seeking out the cheapest high ltv mortgage deal you can find is one way to compensate for this.

You can use our 90% mortgage comparison to compare all the 10% deposit mortgages currently available, check the eligibility criteria, fees and terms for each, and find the cheapest option for your circumstances.

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