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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2566 results found, sorted by affiliated products by lowest initial rate. How we order our comparisons. Commission earned affects the table's sort order.
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Lloyds Bank 2 year fixed remortgage
Maximum LTV
75%
Initial rate
1.38% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% 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

Early repayment charge

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

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
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
Halifax 2 year fixed remortgage
Maximum LTV
75%
Initial rate
1.44% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 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 30 Nov 2022

- then 1.00% of amount paid, until 30 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 end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Clydesdale Bank 2 year fixed
Maximum LTV
75%
Initial rate
1.49% fixed until 31 Oct 2023
Subsequent rate (SVR)
4.55% variable
Overall cost for comparison
4.1% APRC
More information
Application feeNo fee
Arrangement fee£1,499 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, before 31 Oct 2022

- then 2.00% of amount paid, until 31 Oct 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Yorkshire Bank 2 year fixed
Maximum LTV
75%
Initial rate
1.49% fixed until 31 Oct 2023
Subsequent rate (SVR)
4.55% variable
Overall cost for comparison
4.1% APRC
More information
Application feeNo fee
Arrangement fee£1,499 with an option to add to the loan; £750 with an option to add to the loan for existing customers
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, before 31 Oct 2022

- then 2.00% of amount paid, until 31 Oct 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Halifax 5 year fixed
Maximum LTV
75%
Initial rate
1.51% fixed until 30 Nov 2026
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:

- 5.00% of amount paid, before 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

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
Halifax 2 year fixed remortgage
Maximum LTV
75%
Initial rate
1.53% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% 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 30 Nov 2022

- then 1.00% of amount paid, until 30 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 end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Virgin Money 5 year fixed remortgage
0330 057 1718
Maximum LTV
75%
Initial rate
1.54% fixed until 01 Dec 2026
Subsequent rate (SVR)
4.34% variable
Overall cost for comparison
3.2% APRC
Available on an interest only or repayment basis. For residential interest only and part and part loans there is a minimum combined gross income requirement of £75,000.
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:

- 3.50% of the outstanding balance, before 01 Dec 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at application68 years
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 5 year fixed cashback remortgage for people with an existing current account
Maximum LTV
75%
Initial rate
1.57% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.1% 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

Early repayment charge

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

- 5.00% of amount paid, before 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 5 year fixed remortgage
Maximum LTV
75%
Initial rate
1.57% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.1% 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

Early repayment charge

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

- 5.00% of amount paid, before 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
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
Lloyds Bank 5 year fixed cashback remortgage for people with an existing current account
Maximum LTV
75%
Initial rate
1.58% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.1% 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:

- 5.00% of amount paid, before 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
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 comparison3.72% APRC representative
Initial rate2.35% fixed for 2 years (24 instalments of £748.41pm)Subsequent rate (SVR)3.91% variable for the remaining 23 years (276 instalments of £878.62pm)
Lender fee£579Total amount payable£261,041.31

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: 2 June 2021