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

HSBC 2 Year 1.25% Discount Special
0800 077 4270
Maximum LTV
90%
Initial Rate
2.69% variable
for 24 months
Subsequent Rate
3.94%
Overall Cost for Comparison
3.9% APR
Chelsea Building Society 2 Year 2.89% Fixed Branch Only
08454 852 187
Maximum LTV
90%
Initial Rate
2.89% fixed
until 31 Jan 2017
Subsequent Rate
5.45%
Overall Cost for Comparison
5.2% APR
Available in branch only.
Yorkshire BS Flexi 2 Year 2.94% Fixed Branch
08456 195 408
Maximum LTV
90%
Initial Rate
2.94% fixed
until 31 Jan 2017
Subsequent Rate
4.99%
Overall Cost for Comparison
4.8% APR
Available in branch only.
Leeds Building Society 5 Year Stepped/Discount Fee Assist
Maximum LTV
90%
Initial Rate
2.99% stepped rate
variable
Subsequent Rate
5.69%
Overall Cost for Comparison
5.4% APR
Chelsea Building Society Flexi 2 Year 3.09% Fixed Offset Branch
08454 852 187
Maximum LTV
90%
Initial Rate
3.09% fixed
until 31 Jan 2017
Subsequent Rate
5.45%
Overall Cost for Comparison
5.2% APR
Available in branch only.
Yorkshire BS Flexi 2 Year 3.14% Fixed Offset Branch
08456 195 408
Maximum LTV
90%
Initial Rate
3.14% fixed
until 31 Jan 2017
Subsequent Rate
4.99%
Overall Cost for Comparison
4.8% APR
Available in branch only.
Post Office 2 Year 3.19% Fixed + Free Val & Legals
Maximum LTV
90%
Initial Rate
3.19% fixed
until 31 Mar 2017
Subsequent Rate
4.49%
Overall Cost for Comparison
4.4% APR
Chelsea Building Society 2 Year 3.24% Fixed
08454 852 187
Maximum LTV
90%
Initial Rate
3.24% fixed
until 31 Jan 2017
Subsequent Rate
5.45%
Overall Cost for Comparison
5.2% APR
Yorkshire BS Flexi 2 Year 3.24% Fixed
08456 195 408
Maximum LTV
90%
Initial Rate
3.24% fixed
until 31 Jan 2017
Subsequent Rate
4.99%
Overall Cost for Comparison
4.8% APR
TSB 2 Year 3.39% Fixed
0333 3314495
Maximum LTV
90%
Initial Rate
3.39% fixed
until 30 Apr 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
4.1% APR
Yorkshire Bank 2 Year 3.39% Fixed
Maximum LTV
90%
Initial Rate
3.39% fixed
until 31 Mar 2017
Subsequent Rate
4.95%
Overall Cost for Comparison
4.9% APR
Chelsea Building Society 3 Year 3.44% Fixed Branch
08454 852 187
Maximum LTV
90%
Initial Rate
3.44% fixed
until 31 Jan 2018
Subsequent Rate
5.45%
Overall Cost for Comparison
5.1% APR
Available in branch only.
Chelsea Building Society Flexi 2 Year 3.44% Fixed Offset
08454 852 187
Maximum LTV
90%
Initial Rate
3.44% fixed
until 31 Jan 2017
Subsequent Rate
5.45%
Overall Cost for Comparison
5.2% APR
Yorkshire BS Flexi 2 Year 3.44% Fixed Offset
08456 195 408
Maximum LTV
90%
Initial Rate
3.44% fixed
until 31 Jan 2017
Subsequent Rate
4.99%
Overall Cost for Comparison
4.9% APR
Clydesdale Bank 2 Year 3.49% Fixed Private >£500k
Maximum LTV
90%
Initial Rate
3.49% fixed
until 31 Mar 2017
Subsequent Rate
4.95%
Overall Cost for Comparison
4.8% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website.
Post Office 3 Year 3.49% Fixed
Maximum LTV
90%
Initial Rate
3.49% fixed
until 31 Mar 2018
Subsequent Rate
4.49%
Overall Cost for Comparison
4.4% APR
Yorkshire BS Flexi 3 Year 3.49% Fixed Branch
08456 195 408
Maximum LTV
90%
Initial Rate
3.49% fixed
until 31 Jan 2018
Subsequent Rate
4.99%
Overall Cost for Comparison
4.7% APR
Available in branch only.
Clydesdale Bank 3 Year 3.54% Fixed >£150k
Maximum LTV
90%
Initial Rate
3.54% fixed
until 31 Mar 2018
Subsequent Rate
4.95%
Overall Cost for Comparison
4.8% APR
Yorkshire Bank 3 Year 3.54% Fixed >£150k
Maximum LTV
90%
Initial Rate
3.54% fixed
until 31 Mar 2018
Subsequent Rate
4.95%
Overall Cost for Comparison
4.8% APR
Clydesdale Bank 3 Year 3.59% Fixed + Cashback
Maximum LTV
90%
Initial Rate
3.59% fixed
until 31 Mar 2018
Subsequent Rate
4.95%
Overall Cost for Comparison
4.7% APR
Available for first time buyers only.

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How to Find the Best 90% Mortgages

by Martin_Saxon

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. So it's important to shop around for the best 90% ltv mortgages for first time buyers.

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.