Compare 90% remortgages

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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201 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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First Direct 2 year fixed
0808 296 6568
Maximum LTV
90%
Initial rate
2.69% fixed for 2 years
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.5% 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
2.89% fixed for 2 years
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.5% 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
Virgin Money 3 year fixed remortgage
0330 057 1718
Maximum LTV
90%
Initial rate
2.99% fixed until 01 Dec 2024
Subsequent rate (SVR)
4.34% variable
Overall cost for comparison
3.9% APRC
Available on 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 feeNo fee
Additional information

Early repayment charge

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

- 2.50% of the outstanding balance, before 01 Dec 2024

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
First Direct 5 year fixed
0808 296 6568
Maximum LTV
90%
Initial rate
3.14% fixed for 5 years
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.5% 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
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
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
First Direct 5 year fixed
0808 296 6568
Maximum LTV
90%
Initial rate
3.39% fixed for 5 years
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.5% 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
Generation Home 2 year fixed
Maximum LTV
90%
Initial rate
3.4% 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 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, 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
3.4% 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 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, 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
3.4% 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 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, 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
Clydesdale Bank 2 year fixed
Maximum LTV
90%
Initial rate
3.49% fixed until 31 Oct 2023
Subsequent rate (SVR)
4.55% variable
Overall cost for comparison
4.6% APRC
More information
Application feeNo fee
Arrangement fee£999 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
First Direct term BBR tracker
0808 296 6568
Maximum LTV
90%
Initial rate
3.49% base rate tracker for mortgage term
Subsequent rate (SVR)
3.49% variable
Overall cost for comparison
3.5% APRC
Available via telephone only.
More information
Application feeNo fee
Arrangement feeNo fee
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
Yorkshire Bank 2 year fixed
Maximum LTV
90%
Initial rate
3.49% fixed until 31 Oct 2023
Subsequent rate (SVR)
4.55% variable
Overall cost for comparison
4.6% APRC
More information
Application feeNo fee
Arrangement fee£999 with an option to add to the loan; £499 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
Generation Home 3 year fixed
Maximum LTV
90%
Initial rate
3.55% fixed for 3 years
Subsequent rate (SVR)
4.15% variable
Overall cost for comparison
4.07% 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:

- 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
3.55% fixed for 3 years
Subsequent rate (SVR)
4.15% variable
Overall cost for comparison
4.07% 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:

- 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
3.55% fixed for 3 years
Subsequent rate (SVR)
4.15% variable
Overall cost for comparison
4.07% 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:

- 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
Clydesdale Bank 5 year fixed
Maximum LTV
90%
Initial rate
3.56% fixed until 31 Oct 2026
Subsequent rate (SVR)
4.55% variable
Overall cost for comparison
4.3% APRC
More information
Application feeNo fee
Arrangement fee£999 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:

- 5.00% of amount paid, before 31 Oct 2023

- then 4.00% of amount paid, until 31 Oct 2024

- then 3.00% of amount paid, until 31 Oct 2025

- then 2.00% of amount paid, until 31 Oct 2026

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 5 year fixed
Maximum LTV
90%
Initial rate
3.56% fixed until 31 Oct 2026
Subsequent rate (SVR)
4.55% variable
Overall cost for comparison
4.3% APRC
More information
Application feeNo fee
Arrangement fee£999 with an option to add to the loan; £499 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:

- 5.00% of amount paid, before 31 Oct 2023

- then 4.00% of amount paid, until 31 Oct 2024

- then 3.00% of amount paid, until 31 Oct 2025

- then 2.00% of amount paid, until 31 Oct 2026

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
Generation Home 5 year fixed
Maximum LTV
90%
Initial rate
3.6% fixed for 5 years
Subsequent rate (SVR)
4.15% variable
Overall cost for comparison
4.04% 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 two years

- 3.00% of amount paid, in the third year

- 2.00% of amount paid, in the fourth year

- 1.00% of amount paid, in the fifth 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 5 year fixed
Maximum LTV
90%
Initial rate
3.6% fixed for 5 years
Subsequent rate (SVR)
4.15% variable
Overall cost for comparison
4.04% 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 two years

- 3.00% of amount paid, in the third year

- 2.00% of amount paid, in the fourth year

- 1.00% of amount paid, in the fifth 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 comparison3.72% APRC representative
Initial rate2.30% fixed for 2 years (24 instalments of £741.17pm)Subsequent rate (SVR)3.92% variable for the remaining 23 years (276 instalments of £879.17pm)
Lender fee£584Total amount payable£261,022.71

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:

    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 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

        Yes, you can switch to a deal with a new lender. They pay off your old mortgage and you can start making repayments to them instead.

        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.

        Remortgaging takes about four to eight weeks but can take longer if your application is rejected or there are any problems.

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

        Yes, some remortgages let you borrow more than what you owe on your property. You can use the extra money for specific purposes like renovations.

        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.