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

HSBC 2 Year 1.05% Discount Special
Maximum LTVInitial RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%2.89% variable
for 24 months
no3.94%3.9% APR
Chelsea Building Society 2 Year 3.44% Fixed Branch Only
Maximum LTVInitial RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%3.44% fixed
until 31 Oct 2016
yes5.65%5.4% APR
Available in branch only.
Yorkshire BS Flexi 2 Year 3.49% Fixed Branch
Maximum LTVInitial RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%3.49% fixed
until 31 Oct 2016
yes4.99%4.9% APR
Available in branch only.
First Direct 2 Year 3.59% Fixed Ltd Edition
Maximum LTVInitial RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%3.59% fixed
for 24 months
yes3.69%3.8% APR
Available direct by telephone only.
Clydesdale Bank 3 Year 3.64% Fixed >£150k
Maximum LTVInitial RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%3.64% fixed
until 30 Nov 2017
yes4.95%4.8% APR
Yorkshire Bank 3 Year 3.64% Fixed >£150k
Maximum LTVInitial RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%3.64% fixed
until 30 Nov 2017
yes4.95%4.8% APR
Chelsea Building Society Flexi 2 Year 3.64% Fixed Offset Branch
Maximum LTVInitial RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%3.64% fixed
until 31 Oct 2016
yes5.65%5.5% APR
Available in branch only.
Chelsea Building Society 2 Year 3.64% Fixed
Maximum LTVInitial RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%3.64% fixed
until 31 Oct 2016
yes5.65%5.4% APR
Yorkshire BS Flexi 2 Year 3.64% Fixed
Maximum LTVInitial RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%3.64% fixed
until 31 Oct 2016
yes4.99%4.9% APR
Yorkshire BS Flexi 2 Year 3.69% Fixed Offset Branch
Maximum LTVInitial RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%3.69% fixed
until 31 Oct 2016
yes4.99%4.9% APR
Available in branch only.
Chelsea Building Society 2 Year 3.79% Fixed Remortgage Branch Only
Maximum LTVInitial RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%3.79% fixed
until 31 Oct 2016
yes5.65%5.5% APR
Available for remortgage and in branch only.
Chelsea Building Society 2 Year 3.79% Fixed + Cashback Branch Only
Maximum LTVInitial RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%3.79% fixed
until 31 Oct 2016
yes5.65%5.5% APR
Available in branch only.
HSBC 2 Year 3.79% Fixed
0800 077 4270
Maximum LTVInitial RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%3.79% fixed
until 30 Nov 2016
yes3.94%4.1% APR
HSBC 2 Year 3.79% Fixed Advance
0800 077 4270
Maximum LTVInitial RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%3.79% fixed
until 30 Nov 2016
yes3.94%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 RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%3.79% fixed
until 30 Nov 2016
yes3.94%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 RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%3.79% fixed
until 30 Nov 2016
yes3.94%4.0% APR
Yorkshire BS Flexi 2 Year 3.79% Fixed + Cashback Branch
Maximum LTVInitial RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%3.79% fixed
until 31 Oct 2016
yes4.99%4.9% APR
Available in branch only.
Yorkshire BS Flexi 2 Year 3.79% Fixed Remortgage Branch
Maximum LTVInitial RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%3.79% fixed
until 31 Oct 2016
yes4.99%4.9% APR
Available for remortgage and in branch only.
Chelsea Building Society Flexi 2 Year 3.84% Fixed Offset
Maximum LTVInitial RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%3.84% fixed
until 31 Oct 2016
yes5.65%5.5% APR
Yorkshire BS Flexi 2 Year 3.84% Fixed Offset
Maximum LTVInitial RateChoice Of Payment DateSubsequent RateOverall Cost for Comparison
90%3.84% fixed
until 31 Oct 2016
yes4.99%4.9% APR

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How to Find the Best Low Deposit Mortgages

Looking for a mortgage with a low deposit? Let us help you understand what to look out for and how to find the best low deposit mortgage deals.

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If you’ve managed to save a 10% mortgage deposit and are looking to buy a house, there are an increasing number of mortgage offers that could help you own your own home.

You’ll find that a lower loan to value (LTV) ratio would make more mortgages available with lower interest rates. The LTV is the percentage of your new property’s value you will need to borrow from a mortgage provider, so with a 10% deposit your LTV will be 90%.

Lower than 10% deposit mortgages

Although there is no set minimum deposit for a mortgage, having a larger deposit gives you much more choice.

There are some no deposit mortgages out there, but you’ll need a spotless credit history and be able to show you can afford the repayments; you can find details of the 100% mortgages out there in our comparison table.

If you’re looking for a mortgage where you put down a 5% deposit, your choice will still be severely restricted; try our comparison showing the accounts available.

If you don’t have a big enough deposit for the mortgage you want, check out our guide to alternative ways onto the property ladder. Alternatively, you could consider the government’s Help to Buy scheme – our guide explains the basics.

Finding the best 10% deposit mortgage deals

Low deposit mortgages for first time buyers are available, but first you should consider what you need; our guide on how to get your first mortgage will help you start out.

You’ll need to decide if you want a fixed, tracker or discount mortgage. Also, you should establish whether an interest only or repayment mortgage suits you best; this guide explains the differences.

The next thing to consider will be the interest rate, as this will significantly affect the amount you pay each month.

Check the fees and charges as well, as you may find that you have to pay a higher lending charge when your deposit is low. This is an extra charge that lenders apply to cover the extra risks of mortgages with a high LTV, so don’t forget to check the terms and take any extra amounts into account.

You can compare low deposit mortgages in our comparison table, which shows the selection of currently available products that require a 10% deposit. You’ll then need to check the eligibility criteria, fees and terms for each, and find the cheapest option for your circumstances.

What about buy to let mortgages?

Lenders usually require a 20-25% minimum deposit for mortgage accounts where the holder wishes to rent out the property, so if you’re looking for a buy to let mortgage with a 10% deposit, it’s likely you’ll need to rethink your plans.

Related Mortgages Guides

Mortgages Comparison