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Compare 90% Mortgages

Compare the best 90% mortgages available from every lender that offers 90% mortgage deals in the UK and find the cheapest rate for your 90% ltv mortgage in minutes. We make securing a cheap 10% deposit mortgage deal quick and completely hassle free by helping you find the cheapest 90 percent mortgages that suit your circumstances.

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		Mortgage Type	Initial Rate		Final Rate	APR	Max LTV
		Mortgage Type	APR	End Date	Final Rate	APR	Max LTV
Promoted Results
	NatWest 2yr 4.59% Fxd LTV 90% Direct Ex/B	Fixed Rate	4.59%	31 Mar 2014	4%	4.2%	90%
	Available for existing borrowers only. N.B. Such mortgages may not be displayed on the lender's website.
	NatWest 2yr 4.75% Fxd LTV 90% Direct Ex/B Main Bank A/C	Fixed Rate	4.75%	31 Mar 2014	4%	4.2%	90%
	Available for existing borrowers only. N.B. Such mortgages may not be displayed on the lender's website.
	NatWest 2yr 5.09% Fxd LTV 90% Direct Ex/B	Fixed Rate	5.09%	31 Mar 2014	4%	4.3%	90%
	Available for existing borrowers only. N.B. Such mortgages may not be displayed on the lender's website.
	RBS 2yr 5.79% Fxd LTV 100% Ex/B Direct	Fixed Rate	5.79%	31 Mar 2014	4%	4.4%	100%
	Available for existing borrowers only. N.B. Such mortgages may not be displayed on the lender's website.
	Post Office 3yr 4.75% Fixed BBR LTV 90%	Fixed Rate	4.75%	31 Dec 2014	3.99%	4.4%	90%
	NatWest 2yr 5.79% Fxd LTV 100% Direct Ex/B	Fixed Rate	5.79%	31 Mar 2014	4%	4.4%	100%
	Available for existing borrowers only. N.B. Such mortgages may not be displayed on the lender's website.
	NatWest 2yr BBR + 4.39% LTV 90% Direct	Tracker	4.89%	31 Mar 2014	4%	4.4%	90%
	NatWest 2yr 5.95% Fxd LTV 100% Direct Ex/B Main Bank A/C	Fixed Rate	5.95%	31 Mar 2014	4%	4.4%	100%
	Available for existing borrowers only. N.B. Such mortgages may not be displayed on the lender's website.
	NatWest 2yr 5.39% Fixed FTB C/B LTV 90% Direct	Fixed Rate	5.39%	31 Mar 2014	4%	4.4%	90%
	Available for first time buyers only.
	NatWest 2yr 5.39% Fixed LTV 90% Direct	Fixed Rate	5.39%	31 Mar 2014	4%	4.5%	90%
	NatWest 2yr 5.95% Fxd LTV 100% Direct Ex/B	Fixed Rate	5.95%	31 Mar 2014	4%	4.5%	100%
	Available for existing borrowers only. N.B. Such mortgages may not be displayed on the lender's website.
	Santander 2yr 5.49% Fixed H/P C/B LTV 90% Direct	Fixed Rate	5.49%	02 Apr 2014	4.24%	4.6%	90%
	Santander 2yr BBR + 4.89% Tracker H/P C/B LTV 90%	Tracker	5.39%	24 months	4.24%	4.6%	90%
	Woolwich Openplan FM 3yr 5.99% Fxd BBR LTV 90%	Fixed Rate	5.99%	28 Feb 2015	3.89%	4.6%	90%
	Woolwich Openplan FM 3yr 5.99% Fxd BBR Ex/C LTV 90%	Fixed Rate	5.99%	28 Feb 2015	3.89%	4.6%	90%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Woolwich Openplan FM 3yr 5.99% Fxd BBR R/M C/B Ex/C LTV 90%	Fixed Rate	5.99%	28 Feb 2015	3.89%	4.6%	90%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website. Available for remortgage only.
	Woolwich Openplan FM 3yr 5.99% Fxd BBR R/M Ex/C LTV 90%	Fixed Rate	5.99%	28 Feb 2015	3.89%	4.6%	90%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website. Available for remortgage only.
	HSBC Lifetime BBR + 4.09% LTV 90% Direct	Tracker	4.59%	term	n/a	4.8%	90%
	Yorkshire BS 3yr BBR + 3.69% Tracker LTV 90% Direct	Tracker	4.19%	28 Feb 2015	4.99%	4.9%	90%
	NatWest 5yr 5.99% Fixed LTV 90% Direct	Fixed Rate	5.99%	31 Mar 2017	4%	5%	90%
	NatWest 5yr 5.99% Fxd FTB LTV 90% Direct	Fixed Rate	5.99%	31 Mar 2017	4%	5%	90%
	Available for first time buyers only.
	Yorkshire BS Flexi 2yr 4.49% Fxd LTV 90% Branch	Fixed Rate	4.49%	28 Feb 2014	4.99%	5.1%	90%
	Yorkshire BS Flexi 2yr 4.69% Fxd Offset LTV 90% Branch	Fixed Rate	4.69%	28 Feb 2014	4.99%	5.1%	90%
	Santander 5yr 5.89% Fixed H/P C/B LTV 90% Ex/C Direct	Fixed Rate	5.89%	02 Apr 2017	4.24%	5.1%	90%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Santander 5yr 5.99% Fixed H/P C/B LTV 90%	Fixed Rate	5.99%	02 Apr 2017	4.24%	5.2%	90%
Full Results
	Northern Bank Northern Re:pay LTV 90% > £150k Direct Ex/C	Standard	2.99%	term	2.99%	3.1%	90%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Northern Bank Northern Re:pay LTV 90% > £200k Direct Ex/C	Standard	2.99%	term	2.99%	3.1%	90%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Northern Bank Northern Repay LTV 90% > £150k	Current Account	2.99%	term	2.99%	3.1%	90%
	Northern Bank Northern Repay LTV 90% > £200k	Current Account	2.99%	term	2.99%	3.1%	90%
	Northern Bank Northern Re:pay LTV 90% > £100k Direct Ex/C	Standard	3.29%	term	3.29%	3.5%	90%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Northern Bank Northern Repay LTV 90% > £100k	Current Account	3.29%	term	3.29%	3.5%	90%
	Share to Buy Ltd Britannia Term 0.45% Disc H/P LTV 90% Grad Excl	Discounted	3.79%	n/a	n/a	3.9%	90%
	HSBC 2yr 0.10% Discount LTV 90% Special Direct	Discounted	3.84%	31 Mar 2014	3.94%	4%	90%
	HSBC 2yr 4.49% Fxd LTV 90% Ex/C Advance Direct	Fixed Rate	4.49%	31 May 2014	3.94%	4%	90%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Northern Bank Northern Re:pay LTV 90% > £50k Direct Ex/C	Standard	3.54%	term	3.54%	4%	90%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Northern Bank Northern Repay LTV 90% > £50k	Current Account	3.54%	term	3.54%	4%	90%
	Ulster Bank 5yr 0.21% Disc FTB LTV 95% Shared Equity	Discounted	3.79%	31 Mar 2017	4%	4%	95%
	Available for first time buyers only.
	First Direct 2yr BBR + 4.29% LTV 90% Direct Fee Free	Tracker	4.79%	24 months	3.69%	4%	90%
	First Direct 2yr 4.19% Fixed LTV 90% Limited Edition	Fixed Rate	4.19%	24 months	3.69%	4%	90%
	First Direct 2yr 4.89% Fxd LTV 90% Direct Fee Free Ltd Edition	Fixed Rate	4.89%	24 months	3.69%	4%	90%
	Penrith Building Society 5yr 0.50% Discount LTV 90%	Discounted	3.65%	60 months	4.15%	4.1%	90%
	Market Harborough Building Society Term 1.50% Disc Family Deposit C/B LTV 95% Direct	Discounted	3.99%	300 months	n/a	4.1%	95%
	NatWest 2yr 4.59% Fxd LTV 90% Direct Ex/B	Fixed Rate	4.59%	31 Mar 2014	4%	4.2%	90%
	Available for existing borrowers only. N.B. Such mortgages may not be displayed on the lender's website.
	NatWest 2yr 4.75% Fxd LTV 90% Direct Ex/B Main Bank A/C	Fixed Rate	4.75%	31 Mar 2014	4%	4.2%	90%
	Available for existing borrowers only. N.B. Such mortgages may not be displayed on the lender's website.
	RBS 2yr 4.59% Fxd LTV 90% Ex/B Direct	Fixed Rate	4.59%	31 Mar 2014	4%	4.2%	90%
	Available for existing borrowers only. N.B. Such mortgages may not be displayed on the lender's website.
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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.

A good selection of different types of 90% mortgages are available.

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.

That said, 90% mortgages for first time buyers are more widely available than you might 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 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 consider what you want from your mortgage deal and then look for options to suit.

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

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

But for those 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.

	Tracker		Remortgages
	Fixed Rate		First Time Buyer
	Buy To Let

Compare 90% Mortgages

How to Find the Best 90% Mortgages

Mortgages Comparison