Compare Our Best 75% LTV Mortgage Rates

Compare all mortgages with a loan to value of 75% or more if you have 25% equity in your current property or want to buy a new home with a 25% deposit.

Get free mortgage advice from an expert broker

1887 results found, sorted by lowest initial rate. How we order our comparisons. Commission earned affects the table's sort order.
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Progressive Building Society 2 year discount for properties in Northern Ireland
Maximum LTV
95%
Initial rate
0.99% for 2 years (4.01% discount on SVR)
Subsequent rate (SVR)
5.0% variable
Overall cost for comparison
4.36% APRC
Progressive Building Society 2 year discount for properties in Northern Ireland
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
First Time Buyers
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Progressive Building Society 2 year discount remortgage for properties in Northern Ireland
Maximum LTV
75%
Initial rate
0.99% for 2 years (4.01% discount on SVR)
Subsequent rate (SVR)
5.0% variable
Overall cost for comparison
4.42% APRC
Progressive Building Society 2 year discount remortgage for properties in Northern Ireland
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Acceptedfalse
Progressive Building Society 2 year discount for properties in Northern Ireland
Maximum LTV
75%
Initial rate
1.09% for 2 years (3.91% discount on SVR)
Subsequent rate (SVR)
5.0% variable
Overall cost for comparison
4.38% APRC
Progressive Building Society 2 year discount for properties in Northern Ireland
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
First Time Buyers
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Progressive Building Society 2 year discount remortgage for properties in Northern Ireland
Maximum LTV
75%
Initial rate
1.09% for 2 years (3.91% discount on SVR)
Subsequent rate (SVR)
5.0% variable
Overall cost for comparison
4.44% APRC
Progressive Building Society 2 year discount remortgage for properties in Northern Ireland
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Acceptedfalse
Progressive Building Society 2 year discount for properties in Northern Ireland
Maximum LTV
80%
Initial rate
1.19% for 2 years (3.81% discount on SVR)
Subsequent rate (SVR)
5.0% variable
Overall cost for comparison
4.4% APRC
Progressive Building Society 2 year discount for properties in Northern Ireland
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
First Time Buyers
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Progressive Building Society 2 year discount remortgage for properties in Northern Ireland
Maximum LTV
80%
Initial rate
1.19% for 2 years (3.81% discount on SVR)
Subsequent rate (SVR)
5.0% variable
Overall cost for comparison
4.45% APRC
Progressive Building Society 2 year discount remortgage for properties in Northern Ireland
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Acceptedfalse
Furness Building Society 2 year discount cashback mortgage
Maximum LTV
80%
Initial rate
1.29% for 2 years (4.35% discount on SVR)
Subsequent rate (SVR)
5.64% variable
Overall cost for comparison
5.0% APRC
Furness Building Society 2 year discount cashback mortgage
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all of your mortgage early you will be charged:

- 3.00% of amount paid, in the first year

- 2.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Newcastle Building Society 2 year discount
Maximum LTV
80%
Initial rate
1.5% until 31 Aug 2024 (2.46% discount on SVR)
Subsequent rate (SVR)
3.96% variable
Overall cost for comparison
3.5% APRC
Newcastle Building Society 2 year discount
Available via telephone only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Progressive Building Society 2 year discount for properties in Northern Ireland
Maximum LTV
85%
Initial rate
1.59% for 2 years (3.41% discount on SVR)
Subsequent rate (SVR)
5.0% variable
Overall cost for comparison
4.47% APRC
Progressive Building Society 2 year discount for properties in Northern Ireland
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
First Time Buyers
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Newcastle Building Society 2 year discount
Maximum LTV
85%
Initial rate
1.6% until 31 Aug 2024 (2.36% discount on SVR)
Subsequent rate (SVR)
3.96% variable
Overall cost for comparison
3.7% APRC
Newcastle Building Society 2 year discount
Available via telephone only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Monmouthshire Building Society 2 year discount
Maximum LTV
80%
Initial rate
1.64% for 2 years (3.35% discount on SVR)
Subsequent rate (SVR)
4.99% variable
Overall cost for comparison
4.5% APRC
Monmouthshire Building Society 2 year discount
More information
Application fee£150 paid upfront (non-refundable)
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.00% of amount paid, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at application80 years
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Monmouthshire Building Society 2 year discount remortgage
Maximum LTV
80%
Initial rate
1.64% for 2 years (3.35% discount on SVR)
Subsequent rate (SVR)
4.99% variable
Overall cost for comparison
4.4% APRC
Monmouthshire Building Society 2 year discount remortgage
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.00% of amount paid, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Max age at application80 years
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Progressive Building Society 2 year discount cashback remortgage for properties in Northern Ireland
Maximum LTV
85%
Initial rate
1.69% for 2 years (3.31% discount on SVR)
Subsequent rate (SVR)
5.0% variable
Overall cost for comparison
4.54% APRC
Progressive Building Society 2 year discount cashback remortgage for properties in Northern Ireland
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
Minimum Age18 years
Permanent UK Resident
Remortgage Only
Self Employed Acceptedfalse
Progressive Building Society 2 year discount for properties in Northern Ireland
Maximum LTV
85%
Initial rate
1.69% for 2 years (3.31% discount on SVR)
Subsequent rate (SVR)
5.0% variable
Overall cost for comparison
4.49% APRC
Progressive Building Society 2 year discount for properties in Northern Ireland
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
First Time Buyers
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Progressive Building Society 2 year discount remortgage for properties in Northern Ireland
Maximum LTV
85%
Initial rate
1.69% for 2 years (3.31% discount on SVR)
Subsequent rate (SVR)
5.0% variable
Overall cost for comparison
4.54% APRC
Progressive Building Society 2 year discount remortgage for properties in Northern Ireland
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Acceptedfalse
Scottish Building Society 2 year discount
Maximum LTV
80%
Initial rate
1.74% for 2 years (3.45% discount on SVR)
Subsequent rate (SVR)
5.19% variable
Overall cost for comparison
4.8% APRC
Scottish Building Society 2 year discount
Available in branch only.
More information
Application feeNo fee
Arrangement fee£995 paid upfront
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the outstanding balance, in the first year

- 2.00% of the outstanding balance, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Minimum Income£40,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Scottish Building Society 2 year discount
Maximum LTV
80%
Initial rate
1.74% for 2 years (3.45% discount on SVR)
Subsequent rate (SVR)
5.19% variable
Overall cost for comparison
4.7% APRC
Scottish Building Society 2 year discount
Available in branch only.
More information
Application feeNo fee
Arrangement fee£995 paid upfront
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the outstanding balance, in the first year

- 2.00% of the outstanding balance, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Minimum Income£40,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Scottish Building Society 2 year discount for properties in Scotland
Maximum LTV
80%
Initial rate
1.74% for 2 years (3.45% discount on SVR)
Subsequent rate (SVR)
5.19% variable
Overall cost for comparison
4.7% APRC
Scottish Building Society 2 year discount for properties in Scotland
Available in branch only.
More information
Application feeNo fee
Arrangement fee£995 paid upfront
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the outstanding balance, in the first year

- 2.00% of the outstanding balance, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in Scotland
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Minimum Income£40,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Scottish Building Society 2 year discount for properties in Scotland
Maximum LTV
80%
Initial rate
1.74% for 2 years (3.45% discount on SVR)
Subsequent rate (SVR)
5.19% variable
Overall cost for comparison
4.8% APRC
Scottish Building Society 2 year discount for properties in Scotland
Available in branch only.
More information
Application feeNo fee
Arrangement fee£995 paid upfront
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the outstanding balance, in the first year

- 2.00% of the outstanding balance, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in Scotland
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Minimum Income£40,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Yorkshire Building Society 2 year BBR tracker
Maximum LTV
75%
Initial rate
1.74% base rate tracker until 31 Jul 2024
Subsequent rate (SVR)
4.74% variable
Overall cost for comparison
3.9% APRC
Yorkshire Building Society 2 year BBR tracker
The initial rate will be followed by a rate of 3.75% until 31 Jul 2027 (0.99% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£995 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.00% of amount paid, before 31 Jul 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Newcastle Building Society 2 year discount
Maximum LTV
90%
Initial rate
1.8% until 31 Aug 2024 (2.16% discount on SVR)
Subsequent rate (SVR)
3.96% variable
Overall cost for comparison
3.7% APRC
Newcastle Building Society 2 year discount
Available via telephone only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
The Cumberland 2 year discount
Maximum LTV
75%
Initial rate
1.81% for 2 years (2.93% discount on SVR)
Subsequent rate (SVR)
4.74% variable
Overall cost for comparison
4.2% APRC
The Cumberland 2 year discount
Available in branch only.
More information
Application feeNo fee
Arrangement fee£999 with an option to add to the loan
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.00% of amount paid, in the first year

- 0.50% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
The Cumberland 2 year discount remortgage
Maximum LTV
75%
Initial rate
1.81% for 2 years (2.93% discount on SVR)
Subsequent rate (SVR)
4.74% variable
Overall cost for comparison
4.0% APRC
The Cumberland 2 year discount remortgage
Available in branch only.
More information
Application feeNo fee
Arrangement fee£999 with an option to add to the loan
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.00% of amount paid, in the first year

- 0.50% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Beverley 2 year discount
Maximum LTV
80%
Initial rate
1.82% for 2 years (3.17% discount on SVR)
Subsequent rate (SVR)
4.99% variable
Overall cost for comparison
4.6% APRC
Beverley 2 year discount
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£995 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Newbury Building Society 3 year discount
Maximum LTV
75%
Initial rate
1.84% for 3 years (2.26% discount on SVR)
Subsequent rate (SVR)
4.1% variable
Overall cost for comparison
3.3% APRC
Newbury Building Society 3 year discount
Available in branch only.
More information
Application fee£600 with an option to add to the loan
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, in the second year

- 1.00% of the original loan, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Self Employed Accepted

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Overall representative example

Based on borrowing£170,000 over 25 yearsThe overall cost of comparison4.29% APRC Representative
Initial rate2.94% fixed for 2 years (24 instalments of £829.10pm)Subsequent rate (SVR)4.53% variable for the remaining 23 years (276 instalments of £932.69pm)
Lender fee£529Total amount payable£277,850.59

How to compare 75% LTV mortgages

You can use this comparison to find one that is suitable for your financial circumstances. Use it to check the interest rates and fees of each deal to find the best 75% LTV mortgage.

What is a 75% mortgage?

Every mortgage has a loan to value (LTV), which is the percentage of the property's value that the mortgage covers.

If your mortgage covers 75%, you need to pay the remaining 25% with a deposit, or with equity in your home if you own it already.

For example, if you want to buy a house worth £200,000 and have a 25% deposit of £50,000, you would need a 75% LTV mortgage for £150,000.

25% deposit mortgages are usually cheaper than deals that require a smaller deposit. This is because lenders consider mortgages with a smaller LTV to be less risky for them.

What types can you get?

Before you compare mortgages, decide what kind of mortgage you want:

Fixed or variable

You can get mortgages with several different types of interest rate:

  • Fixed rates are guaranteed to stay the same for a definite period

  • Variable rates can change whenever the lender decides

  • Tracker rates change whenever an indicator like the Bank of England base rate changes

  • Discount rates stay an agreed percentage below the SVR* for a fixed period

  • Capped rates come with a maximum interest rate they cannot go above

*The lender's standard variable rate

The guarantees offered by capped and fixed rates can give you security that your monthly payments will not increase above a certain amount.

Variable, tracker and discount rates often start with lower interest rates, but these could rise at any time, meaning what you pay each month would increase.

How to decide what type of interest rate suits your finances

Long or short term

You can choose how long your mortgage lasts when you take it out.

A longer term means your monthly payments are lower, and lenders are more likely to offer you a mortgage that is more affordable.

But choosing a shorter term means you pay it off quicker and pay less interest overall.

How to decide between a long or short term 75% mortgage

Repayment or interest only

  • Repayment mortgages: Your monthly payments go towards clearing the balance and paying the interest charged. By the end of your mortgage term, you owe no more money and own your home outright.

  • Interest only mortgages: Your monthly payments only go towards the interest charged. At the end of your mortgage term, you have to pay back your full mortgage balance.

Here is how to decide between a 75% interest only or repayment mortgage

You can also get buy to let remortgages if you need a new deal on your existing investment property.

How to find the best 75 LTV mortgages

The best mortgage for you depends not only on your own circumstances, such as your credit score and your deposit, but also any fees and interest attached to a mortgage.

The price you pay will also be affected by wider LTV mortgage rates, which are currently at historic lows. It's also always worth comparing mortgage providers and deals, as the market is competitive and you don't need to take the first offer you're given.

75% mortgages FAQs

About our mortgage comparison

Last updated: 11 October, 2021

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