Compare 90% LTV mortgages

Compare all 90% mortgages which could be available for those with 10% saved as a deposit or 10% equity in their current home.

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849 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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Halifax 2 year fixed
Maximum LTV
90%
Initial rate
1.79% fixed until 29 Feb 2024
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 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 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 for first time buyers
Maximum LTV
90%
Initial rate
1.79% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% 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 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
Halifax 2 year fixed
Maximum LTV
90%
Initial rate
2.09% fixed until 29 Feb 2024
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 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, 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 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 for first time buyers
Maximum LTV
90%
Initial rate
2.09% fixed until 29 Feb 2024
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 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, 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 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
First Direct 2 year fixed
0808 296 6568
Maximum LTV
90%
Initial rate
2.14% fixed for 2 years
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.3% APRC
Available via telephone only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking fee£490 paid upfront (non-refundable)
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all 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

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 end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
First Direct 2 year fixed
0808 296 6568
Maximum LTV
90%
Initial rate
2.39% fixed for 2 years
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.3% APRC
Available via telephone 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 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

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 end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Halifax 2 year fixed
Maximum LTV
95%
Initial rate
2.68% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% 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 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 for first time buyers
Maximum LTV
95%
Initial rate
2.68% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% 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 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
Halifax 5 year fixed
Maximum LTV
90%
Initial rate
2.76% fixed until 28 Feb 2027
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:

- 5.00% of amount paid, before 28 Feb 2023

- then 4.00% of amount paid, until 29 Feb 2024

- then 3.00% of amount paid, until 28 Feb 2025

- then 2.00% of amount paid, until 28 Feb 2026

- then 1.00% of amount paid, until 28 Feb 2027

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 5 year fixed for first time buyers
Maximum LTV
90%
Initial rate
2.76% fixed until 28 Feb 2027
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:

- 5.00% of amount paid, before 28 Feb 2023

- then 4.00% of amount paid, until 29 Feb 2024

- then 3.00% of amount paid, until 28 Feb 2025

- then 2.00% of amount paid, until 28 Feb 2026

- then 1.00% of amount paid, until 28 Feb 2027

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
First Direct 5 year fixed
0808 296 6568
Maximum LTV
90%
Initial rate
2.79% fixed for 5 years
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.3% APRC
Available via telephone only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking fee£490 paid upfront (non-refundable)
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

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

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

- 2.00% of the original loan, between 12 and 60 months

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 end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Lloyds Bank 2 year fixed
Maximum LTV
90%
Initial rate
2.81% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% 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
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 5 year fixed
Maximum LTV
90%
Initial rate
2.88% fixed until 28 Feb 2027
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 feeNo fee
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 28 Feb 2023

- then 4.00% of amount paid, until 29 Feb 2024

- then 3.00% of amount paid, until 28 Feb 2025

- then 2.00% of amount paid, until 28 Feb 2026

- then 1.00% of amount paid, until 28 Feb 2027

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 5 year fixed for first time buyers
Maximum LTV
90%
Initial rate
2.88% fixed until 28 Feb 2027
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 feeNo fee
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 28 Feb 2023

- then 4.00% of amount paid, until 29 Feb 2024

- then 3.00% of amount paid, until 28 Feb 2025

- then 2.00% of amount paid, until 28 Feb 2026

- then 1.00% of amount paid, until 28 Feb 2027

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
First Direct 5 year fixed
0808 296 6568
Maximum LTV
90%
Initial rate
2.94% fixed for 5 years
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.3% APRC
Available via telephone 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 of your mortgage early you will be charged:

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

- 2.00% of the original loan, between 12 and 60 months

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 end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Halifax 2 year fixed
Maximum LTV
95%
Initial rate
2.95% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% APRC
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, 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 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 for first time buyers
Maximum LTV
95%
Initial rate
2.95% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% APRC
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, 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 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
Lloyds Bank 2 year fixed
Maximum LTV
90%
Initial rate
3.05% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% APRC
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, 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
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Lloyds Bank 2 year fixed cashback mortgage for people with an existing current account
Maximum LTV
90%
Initial rate
3.05% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% APRC
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, 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
Existing Customer Typecurrent account
Existing Customer Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Generation Home 2 year fixed
Maximum LTV
90%
Initial rate
3.19% fixed for 2 years
Subsequent rate (SVR)
4.15% variable
Overall cost for comparison
4.09% 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:

- 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 Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Minimum Income£12,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Generation Home 2 year fixed
Maximum LTV
90%
Initial rate
3.19% fixed for 2 years
Subsequent rate (SVR)
4.15% variable
Overall cost for comparison
4.09% 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:

- 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 Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Minimum Income£12,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Generation Home 2 year fixed
Maximum LTV
90%
Initial rate
3.19% fixed for 2 years
Subsequent rate (SVR)
4.15% variable
Overall cost for comparison
4.09% 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:

- 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 Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Minimum Income£12,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
First Direct term BBR tracker
0808 296 6568
Maximum LTV
90%
Initial rate
3.29% base rate tracker for mortgage term
Subsequent rate (SVR)
3.29% variable
Overall cost for comparison
3.4% APRC
Available via telephone only.
More information
Application feeNo fee
Arrangement fee£490 paid upfront (non-refundable)
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
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 end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Generation Home 3 year fixed
Maximum LTV
90%
Initial rate
3.34% fixed for 3 years
Subsequent rate (SVR)
4.15% variable
Overall cost for comparison
4.05% 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:

- 4.00% of amount paid, in the first year

- 3.00% of amount paid, in the second year

- 2.00% of amount paid, in the third year

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
Minimum Income£12,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Generation Home 3 year fixed
Maximum LTV
90%
Initial rate
3.34% fixed for 3 years
Subsequent rate (SVR)
4.15% variable
Overall cost for comparison
4.05% 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:

- 4.00% of amount paid, in the first year

- 3.00% of amount paid, in the second year

- 2.00% of amount paid, in the third year

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
Minimum Income£12,000
Permanent UK Resident
Remortgage Available
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 rate2.06% fixed for 2 years (24 instalments of £708.78pm)Subsequent rate (SVR)3.88% variable for the remaining 23 years (276 instalments of £875.99pm)
Lender fee£546Total amount payable£259,329.40

What are 90% LTV mortgages?

A 90% mortgage is when you borrow 90% of the value of the property you're buying. These are also often referred to as 90 LTV mortgages, or 10% deposit mortgages.

LTV, or the Loan-to-Value ratio, is a measure of the percentage of the property's value on which you will borrow money.

For example, if you want to buy a property worth £200,000, a 90% LTV mortgage will mean you have a deposit of £20,000 and will need a mortgage to cover the remaining £180,000.

The higher the LTV, the more interest you will end up paying.

Should I get a 90% mortgage?

Yes, a 90% LTV mortgage may be appropriate if you want to:

  • Buy your first home with a 10% deposit

  • Sell your current house and get a new mortgage to buy a new one

  • Get a new remortgage deal on your current home

A 90% mortgage can cover up to 90% of a property's value, so you will need to pay for the remaining 10% of the price yourself with either:

  • Equity in your current home, which is the share of it you own

  • A deposit, which is money you have saved up

Compare the best 90% mortgages

This comparison includes every 90% LTV mortgage you can get directly from lenders in the UK.

Work out how much they cost by checking the interest rate and what fees and charges they come with. You can then choose the cheapest 90% mortgage and apply for it online, by phone, or in one of the lender's branches.

How to choose the right type of mortgage

What types of 90% mortgage can you get?

Getting your first mortgage

If you are buying your first home, you need to save up a 10% deposit to get a 90% LTV mortgage.

You can get a normal mortgage or one that is part of a scheme for first time buyers like Help to Buy.

Here is how to find a mortgage for your first home and make sure you can afford it.

Remortgaging to a 90% LTV mortgage deal

If you already own your home but want to remortgage it, you need 10% equity in your house to get a 90% LTV mortgage.

You can use most types of mortgage as long as they are not designed for a particular type of borrower, such as someone buying their first property.

If you own more than 10% of your property, i.e., you have over 10% equity in your home, and you are remortgaging to finance home improvements you may want to consider alternative forms of borrowing, such as a bridging loan.

Getting a 90% mortgage if you are moving home

You can get a 90% LTV mortgage if you own your house but want to buy a new one. You need equity in your current home worth at least 10% of the value of the new property.

For example, if you own 15% of a house worth £200,000, your equity is worth £30,000. If you buy a £300,000 house, you could use your £30,000 equity towards 10% of it and get a 90% LTV mortgage for the remaining £270,000.

You can top this up by saving a deposit as well. For example, if you have equity in your home worth 8% of the new property's value, you could save up a deposit for the remaining 2% and then get a 90% mortgage.

Getting a bad credit mortgage with a 10% deposit

If your credit record makes it hard for you to find a mortgage, you can compare deals designed for bad credit.

These are specialist mortgages from lenders more likely to accept borrowers with bad credit. But you usually need a deposit of at least 15% to get them.

Investing in property

You cannot usually get 90% buy to let mortgages because most need a deposit of at least 25%. You can compare buy to let mortgages here.

What are the disadvantages of 90% LTV mortgages?

A 90% LTV mortgage is a high loan to value (LTV) mortgage. This means you are more likely to be affected by negative equity even if there is a small fall in house prices.

Find out about negative equity here

House prices do fluctuate, and a house purchase is a long-term financial commitment so even if you are in negative equity, it may not affect your finances.

As you pay off more of your mortgage you will find you owe less to the mortgage lender and are more likely to have expanded the amount of equity - which is the amount you own - in your home.

Taking out a repayment, rather than interest-only mortgage means you will be paying more off your mortgage and building more equity in your home.

If you are considering using a 90% LTV mortgage to finance your first home, consider trying to save up a deposit of more than 10%, as doing so will give you more access to better deals.

Compare our best savings accounts

90% mortgages FAQs

When the Covid-19 pandemic hit the UK, lenders tightened their lending criteria significantly, and many 90% and 95% LTV products were removed from the market as they were deemed too risky. As the economy begins to open up again with the rollout of the vaccine, availability of 90% LTV mortgages has increased.

100% LTV mortgages are harder to come by since the 2008 financial crash, however you can get a mortgage without a deposit if you have a guarantor. The guarantor will be responsible for paying your mortgage if you are unable to afford the payments. For most other mortgages, you need at least a 5% deposit, but some come with schemes to help you buy your first home.

Even saving a 10% mortgage deposit can be difficult nowadays due to rising house prices. But saving more helps your chances of being accepted and will help you get better interest rates. Consider setting a budget and minimising your spending where possible. Read our guide for more information on how to save up for a deposit

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.

To find out if you can afford a 90% LTV mortgage, work out how much you earn and what you spend in a month. Compare this to how much your mortgage payments will cost and factor in other associated costs. You can see our guide here to how much it costs to buy a home.

Some lenders add a fee of around 1.5% if your deposit is less than 10%. Not every lender charges this as a separate fee.

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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Leasehold vs freehold

Leasehold vs freehold: Which should you get?

If you’re looking to buy a property in England or Wales, you’ll notice that they’re either listed as leasehold or freehold. But what’s the difference? We’re here to explain the terms, and share what they might mean for you as a property owner.

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