Compare 90% remortgages

Find the right 90% remortgage for you

See 90% remortgages from 70+ lenders across the whole of market

Mojo Mortgages is an award-winning broker
SantanderNatWestBarclaysRoyal Bank of ScotlandTSBAccord MortgagesHSBCCoventry Building SocietyBankofIreland4IntermediariesThe Mortgage WorksSantanderNatWestBarclaysRoyal Bank of ScotlandTSBAccord MortgagesHSBCCoventry Building SocietyBankofIreland4IntermediariesThe Mortgage Works
YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS. The FCA does not regulate mortgages on commercial or investment buy-to-let properties.
Last updated
June 28th, 2023

How to find the right 90% LTV remortgage

You may be able to remortgage to a 90% mortgage if you have 10% equity in your property. You can choose a remortgage by using a mortgage broker, who can help you choose a deal based on your personal circumstances.

A broker can also help you understand what your repayments will be depending on the deal and they can help you apply for it.

Remember that mortgage deals with the lowest interest rate might not always be the cheapest deal for you. The lender's additional product fees can end up making your overall mortgage more expensive.

Check you can get a 90% remortgage deal

Before you apply for a 90% remortgage deal, work out what equity you have in your home by:

  • Finding out what your property is worth

  • Working out how much is outstanding on your current mortgage

Your equity will be the difference between the current value of your home and your mortgage balance. If this is 10%, you might be able to get a 90% remortgage deal provided you meet other eligibility criteria.

Which deal should you choose?

When looking for a remortgage, make sure you're getting a deal that works for you and your circumstances. An independent broker can look across the market to compare mortgages and find the best options for you.

You can choose from most types of mortgage when you switch to a new deal; here's how to choose the right type of mortgage for you.

90% remortgage FAQs

Can I get a mortgage with a different lender?

Yes, you can switch to a deal with a new lender. It will pay off your old mortgage and you’ll start making repayments to the new lender instead. 

Make sure you compare deals from new lenders against deals from your existing provider to check you’re getting the best possible offer for your circumstances. One of the best and easiest ways to do this is to speak to a mortgage broker who can look at deals from other lenders and your current provider to see what will work for you.

Can I get a mortgage without a deposit?

Although they're much more unusual now compared to before the 2008 financial crash, you may be able to get a mortgage without a deposit. 

However, most 100% mortgages are guarantor mortgages, which means you can only get one if you can find someone (usually a family member) to act as guarantor and agree to be responsible for covering the mortgage payments if you cannot. 

For most other mortgages, you need at least a 5% deposit.

How long does it take to remortgage?

It's usually quicker to remortgage than it is to take out a mortgage to buy a new home. It's especially quick if you're getting a new deal with the same lender and not borrowing any extra money.

Typically, a straightforward remortgage takes about four to eight weeks but this can be longer if your application is rejected or there are any problems.

Can I apply for a remortgage in advance?

Yes, you can get a mortgage offer from a lender before you need it. Some remortgage offers last for several months.

It is always good to plan ahead and make sure you have an offer in place before your current deal ends so you don’t end up moving onto your lender’s standard variable rate.

Can I borrow more with a remortgage?

Yes, remortgage providers will usually let you borrow more than you owe on your property, particularly if your home has gone up in value. You can use the extra money for specific purposes like renovations.

The lender will want to know what the cash is for and will carry out affordability checks to make sure you can make the repayments comfortably.

About the author

Atousa Cunnell
Atousa is a Content Producer for, responsible for writing and editing a wide range of mortgage content that are helpful to the reader. is not a mortgage intermediary and makes introductions to Mojo Mortgages to provide mortgage solutions. and Mojo Mortgages are part of the same group of companies. is a trading name of Dot Zinc Limited, registered in England (4093922) and authorised and regulated by the Financial Conduct Authority (415689). Our registered address is: The Cooperage, 5 Copper Row, London, England, SE1 2LH.

Mojo is a trading style of Life's Great Limited which is registered in England and Wales (06246376). We are authorised and regulated by the Financial Conduct Authority and are on the Financial Services Register (478215). Mojo’s registered office is The Cooperage, 5 Copper Row, London, SE1 2LH. To contact Mojo by phone, please call 0333 123 0012.