Compare 75% LTV mortgages

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.

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2467 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 remortgage for properties in Northern Ireland
Maximum LTV
75%
Initial rate
0.51% for 2 years (3.84% discount on SVR)
Subsequent rate (SVR)
4.35% variable
Overall cost for comparison
3.69% APRC
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
0.79% for 2 years (3.56% discount on SVR)
Subsequent rate (SVR)
4.35% variable
Overall cost for comparison
3.26% APRC
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
0.79% for 2 years (3.56% discount on SVR)
Subsequent rate (SVR)
4.35% variable
Overall cost for comparison
3.74% APRC
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
Yorkshire Building Society 2 year BBR tracker
Maximum LTV
75%
Initial rate
0.89% base rate tracker until 29 Feb 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.6% APRC
The initial rate will be followed by a rate of 3.75% until 28 Feb 2027 (0.74% 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 29 Feb 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
TSB 2 year fixed remortgage
Maximum LTV
75%
Initial rate
0.94% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 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:

- 2.00% of amount paid, before 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Barclays 2 year BBR tracker
Maximum LTV
75%
Initial rate
0.95% base rate tracker for 2 years
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
3.2% APRC
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 Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Barclays 2 year BBR tracker cashback remortgage
Maximum LTV
75%
Initial rate
0.95% base rate tracker for 2 years
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
3.2% APRC
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 Northern Ireland
Available in Scotland
Available in Wales
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Barclays 2 year BBR tracker remortgage
Maximum LTV
75%
Initial rate
0.95% base rate tracker for 2 years
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
3.2% APRC
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 Northern Ireland
Available in Scotland
Available in Wales
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Yorkshire Building Society 2 year fixed
Maximum LTV
75%
Initial rate
0.97% fixed until 29 Feb 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.6% APRC
The initial rate will be followed by a rate of 3.75% until 28 Feb 2027 (0.74% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£1,495 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:

- 2.50% of amount paid, before 28 Feb 2023

- then 1.50% of amount paid, until 29 Feb 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
Self Employed Accepted
Yorkshire Building Society 2 year fixed remortgage
Maximum LTV
75%
Initial rate
0.97% fixed until 29 Feb 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.3% APRC
The initial rate will be followed by a rate of 3.75% until 28 Feb 2027 (0.74% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£1,495 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:

- 2.50% of amount paid, before 28 Feb 2023

- then 1.50% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
The Cumberland 2 year discount remortgage
Maximum LTV
75%
Initial rate
0.98% for 2 years (3.11% discount on SVR)
Subsequent rate (SVR)
4.09% variable
Overall cost for comparison
3.7% APRC
Available in branch only.
More information
Application feeNo fee
Arrangement fee£1,999 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
Furness Building Society 2 year fixed
Maximum LTV
75%
Initial rate
0.99% fixed for 2 years
Subsequent rate (SVR)
5.14% variable
Overall cost for comparison
4.5% APRC
Area restrictions may apply.
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:

- 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
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
HSBC 2 year fixed
Maximum LTV
75%
Initial rate
0.99% fixed until 31 Jan 2024
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking fee£999 with an option to add to the loan
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

- then 1.00% of amount paid, until 31 Jan 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
HSBC 2 year fixed for first time buyers
Maximum LTV
75%
Initial rate
0.99% fixed until 31 Jan 2024
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking fee£999 with an option to add to the loan
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

- then 1.00% of amount paid, until 31 Jan 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
HSBC 2 year fixed remortgage
Maximum LTV
75%
Initial rate
0.99% fixed until 31 Jan 2024
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking fee£999 with an option to add to the loan
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

- then 1.00% of amount paid, until 31 Jan 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
Remortgage Only
Self Employed Accepted
Leeds Building Society 2 year fixed
Maximum LTV
75%
Initial rate
0.99% fixed until 31 Jan 2024
Subsequent rate (SVR)
5.29% variable
Overall cost for comparison
4.4% APRC
The initial rate will be followed by a rate of 4.04% until 31 Jan 2027 (1.25% discount on SVR).
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:

- 3.00% of amount paid, before 31 Jan 2023

- then 2.00% of amount paid, until 31 Jan 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 end85 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Monmouthshire Building Society 2 year fixed
Maximum LTV
75%
Initial rate
0.99% fixed for 2 years
Subsequent rate (SVR)
4.74% variable
Overall cost for comparison
4.2% APRC
More information
Application fee£150 paid upfront (non-refundable)
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 paid upfront (non-refundable)
Additional information

Early repayment charge

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

- 3.00% 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 fixed remortgage
Maximum LTV
75%
Initial rate
0.99% fixed for 2 years
Subsequent rate (SVR)
4.74% variable
Overall cost for comparison
4.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 paid upfront (non-refundable)
Additional information

Early repayment charge

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

- 3.00% 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
Nationwide 2 year fixed
Maximum LTV
75%
Initial rate
0.99% fixed for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 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:

- 1.50% of the outstanding balance, in the first year

- 0.75% of the outstanding balance, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Progressive Building Society 2 year fixed for properties in Northern Ireland
Maximum LTV
75%
Initial rate
0.99% fixed for 2 years
Subsequent rate (SVR)
4.35% variable
Overall cost for comparison
3.98% APRC
Available in branch only.
More information
Application feeNo fee
Arrangement fee£995 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:

- 3.00% of amount paid, in the first two years

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 fixed remortgage for properties in Northern Ireland
Maximum LTV
75%
Initial rate
0.99% fixed for 2 years
Subsequent rate (SVR)
4.35% variable
Overall cost for comparison
3.98% APRC
Available in branch only.
More information
Application feeNo fee
Arrangement fee£995 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:

- 3.00% of amount paid, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Santander 2 year fixed cashback remortgage
Maximum LTV
75%
Initial rate
0.99% fixed until 02 Jan 2024
Subsequent rate (SVR)
3.35% base rate tracker
Overall cost for comparison
3.0% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£749 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:

- 3.00% of the outstanding balance, before 02 Jan 2024

- £250 cashback needs to be repaid before 02 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Santander 2 year fixed remortgage
Maximum LTV
75%
Initial rate
0.99% fixed until 02 Jan 2024
Subsequent rate (SVR)
3.35% base rate tracker
Overall cost for comparison
3.0% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£749 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:

- 3.00% of the outstanding balance, before 02 Jan 2024

- £200 fees contribution needs to be repaid before 02 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
TSB 2 year fixed
Maximum LTV
75%
Initial rate
0.99% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.3% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 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:

- 2.00% of amount paid, before 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
TSB 2 year fixed for first time buyers
Maximum LTV
75%
Initial rate
0.99% fixed until 29 Feb 2024
Subsequent rate (SVR)
2.59% base rate tracker
Overall cost for comparison
2.4% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 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:

- 2.00% of amount paid, before 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end75 years
Minimum Age18 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 comparison3.65% APRC representative
Initial rate2.07% fixed for 2 years (24 instalments of £709.38pm)Subsequent rate (SVR)3.88% variable for the remaining 23 years (276 instalments of £875.92pm)
Lender fee£549Total amount payable£259,327.90

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

Check if you can afford one by working out how much you earn and spend. Compare this to how much buying a home will cost you.

Here is how to save up for a deposit. Saving more helps your chances of being accepted and could help you get a cheaper mortgage.

Yes, your credit record does matter. Lenders will want to see proof of your ability to keep up your mortgage repayments. They will take a look at your spending habits and assess your affordability, which may impact how much you can borrow. Here is more on why your credit record matters.

Yes, many remortgages are available if you have 25% equity in your home. Most of the deals in this comparison can be used as remortgages.

About our mortgage comparison

We include mortgages from every lender in the UK. They are all from lenders regulated by the Financial Conduct Authority. Here is more information about how our website works.

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and the deal you get is not affected.

Last updated: 11 October, 2021

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