Compare Our Best Remortgage Deals with 90% LTV

Compare all remortgage deals that can lend 90% of the value of your property if you have 10% equity. You could reduce your monthly repayments or clear the balance faster by switching deals.

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317 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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Yorkshire Building Society 2 year fixed remortgage
Maximum LTV
90%
Initial rate
1.89% fixed until 29 Feb 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.5% 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:

- 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
Yorkshire Building Society 2 year fixed remortgage
Maximum LTV
90%
Initial rate
1.89% fixed until 29 Feb 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.5% 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:

- 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
Yorkshire Building Society 2 year fixed remortgage
Maximum LTV
90%
Initial rate
2.07% 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£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
HSBC 2 year fixed remortgage
Maximum LTV
90%
Initial rate
2.09% fixed until 30 Apr 2024
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.4% 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 30 Apr 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
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
Yorkshire Building Society 2 year fixed
Maximum LTV
90%
Initial rate
2.21% fixed until 29 Feb 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.9% 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 feeNo fee
Product feeNo fee
Additional information

Early repayment charge

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

- 2.50% 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
Remortgage Available
Self Employed Accepted
Yorkshire Building Society 3 year fixed remortgage
Maximum LTV
90%
Initial rate
2.22% fixed until 28 Feb 2025
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.4% 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:

- 3.00% of amount paid, before 28 Feb 2023

- then 2.50% of amount paid, until 29 Feb 2024

- then 1.50% of amount paid, until 28 Feb 2025

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
Yorkshire Building Society 3 year fixed remortgage
Maximum LTV
90%
Initial rate
2.25% fixed until 28 Feb 2025
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.5% 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£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:

- 3.00% of amount paid, before 28 Feb 2023

- then 2.50% of amount paid, until 29 Feb 2024

- then 1.50% of amount paid, until 28 Feb 2025

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
Lloyds Bank 2 year fixed remortgage
Maximum LTV
90%
Initial rate
2.32% 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£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:

- 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 end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
First Direct 2 year fixed
0808 296 6568
Maximum LTV
90%
Initial rate
2.34% 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
HSBC 2 year fixed remortgage
Maximum LTV
90%
Initial rate
2.34% fixed until 30 Apr 2024
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.4% 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, in the first year

- then 1.00% of amount paid, until 30 Apr 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
Yorkshire Building Society 3 year fixed
Maximum LTV
90%
Initial rate
2.35% fixed until 28 Feb 2025
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.8% 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 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 28 Feb 2023

- then 2.50% of amount paid, until 29 Feb 2024

- then 1.50% of amount paid, until 28 Feb 2025

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
Yorkshire Building Society 5 year fixed remortgage
Maximum LTV
90%
Initial rate
2.5% fixed until 28 Feb 2027
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.3% APRC
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:

- 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 2.50% of amount paid, until 28 Feb 2026

- then 1.50% 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
Remortgage Available
Remortgage Only
Self Employed Accepted
Yorkshire Building Society 5 year fixed remortgage
Maximum LTV
90%
Initial rate
2.5% fixed until 28 Feb 2027
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.3% APRC
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:

- 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 2.50% of amount paid, until 28 Feb 2026

- then 1.50% 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
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 2 year fixed remortgage
Maximum LTV
90%
Initial rate
2.54% 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£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 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 end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Yorkshire Building Society 5 year fixed remortgage
Maximum LTV
90%
Initial rate
2.6% fixed until 28 Feb 2027
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.4% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£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:

- 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 2.50% of amount paid, until 28 Feb 2026

- then 1.50% 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
Remortgage Available
Remortgage Only
Self Employed Accepted
Yorkshire Building Society 2 year fixed
Maximum LTV
95%
Initial rate
2.63% fixed until 29 Feb 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.0% 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 feeNo fee
Product feeNo fee
Additional information

Early repayment charge

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

- 2.50% 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
Remortgage Available
Self Employed Accepted
Yorkshire Building Society 5 year fixed
Maximum LTV
90%
Initial rate
2.65% fixed until 28 Feb 2027
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.7% 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 2.50% of amount paid, until 28 Feb 2026

- then 1.50% 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
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
First Direct 5 year fixed
0808 296 6568
Maximum LTV
90%
Initial rate
2.69% fixed for 5 years
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.2% 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
HSBC 5 year fixed remortgage
Maximum LTV
90%
Initial rate
2.69% fixed until 30 Apr 2027
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.3% 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:

- 5.00% of amount paid, in the first year

- 4.00% of amount paid, in the second year

- 3.00% of amount paid, in the third year

- 2.00% of amount paid, in the fourth year

- then 1.00% of amount paid, until 30 Apr 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
Remortgage Available
Remortgage Only
Self Employed Accepted
First Direct 5 year fixed
0808 296 6568
Maximum LTV
90%
Initial rate
2.84% fixed for 5 years
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.2% 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
HSBC 5 year fixed remortgage
Maximum LTV
90%
Initial rate
2.89% fixed until 30 Apr 2027
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.3% 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, in the first year

- 4.00% of amount paid, in the second year

- 3.00% of amount paid, in the third year

- 2.00% of amount paid, in the fourth year

- then 1.00% of amount paid, until 30 Apr 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
Remortgage Available
Remortgage Only
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
Lloyds Bank 2 year fixed remortgage
Maximum LTV
90%
Initial rate
3.39% 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
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 2 year fixed remortgage
Maximum LTV
90%
Initial rate
3.44% 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
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 comparison3.68% APRC representative
Initial rate2.17% fixed for 2 years (24 instalments of £723.54pm)Subsequent rate (SVR)3.90% variable for the remaining 23 years (276 instalments of £877.63pm)
Lender fee£544Total amount payable£260,133.79

How to find the right 90% LTV remortgage

You could remortgage to a cheaper deal even if you only have 10% equity in your home with a 90% remortgage deal. You can choose a remortgage by:

  • Using this comparison, which includes remortgages that could lend you 90% of the value of your property

  • Using a mortgage broker, who can help you choose a deal based on your personal circumstances

You can work out how much each remortgage will cost by checking the interest rate and any fees they charge. You can then choose the best 90% remortgage and apply for it online.

Find out how to get a remortgage here

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:

Your equity will be the difference between the current value of your home and your mortgage balance. If this is 10% or more you can apply for a 90% remortgage deal.

Which deal should you choose?

When looking for a remortgage, make sure:

  • You will save moneyCheck what fees you will need to pay when remortgaging and make sure the amount you save by switching will make you better off overall.

  • You will be accepted: To get a 90% remortgage you will need at least 10% equity in your property, and to meet the lender's eligibility criteria. Check the terms and conditions before you apply.

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

About our mortgage comparison

Last updated: 11 October, 2021

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