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.

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.

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.

75% LTV buy to let mortgages

If you want to buy a house to rent out to someone else, you need a buy to let (BTL) mortgage, sometimes known as a 75% buy to let mortgage.

You can find the best rates with a 75% LTV using our buy to let mortgage comparison.

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


Can I afford a 75% mortgage?


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.


How can I save a 25% deposit?


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.


Does my credit record matter?


Yes, it will show lenders if you can keep up with repayments on a mortgage. Here is why your credit record matters.


Can I get a 75% remortgage?


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


Who do we include in this comparison?


We include every mortgage in the UK you can apply for directly from the lender. They are all from lenders regulated by the Financial Conduct Authority. Here is more information about how our website works.


How do we make money from our comparison?


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: 29 January 2021