Compare 50% LTV Mortgage

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  • Barclays Mortgage's logo'

    Barclays Mortgage 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.86% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £370.57
    Continue on Fluent Mortgages' website + More info
  • HSBC's logo'

    HSBC 2 Year Fixed

    • Initial Rate
      0.89% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £371.91
  • Halifax's logo'

    Halifax 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.90% Fixed to 30/11/2023
    • APRC
      3.50%
    • Product Fee
      £995
    • Monthly Repayment
      £372.36
    Continue on Halifax's website + More info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 2 Year Fixed

    • Initial Rate
      0.90% Fixed to 31/10/2023
    • APRC
      3.60%
    • Product Fee
      £1,495
    • Monthly Repayment
      £372.36
    Continue on Fluent Mortgages' website + More info
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.92% Fixed to 30/11/2023
    • APRC
      3.30%
    • Product Fee
      £995
    • Monthly Repayment
      £373.26
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.92% Fixed to 30/11/2023
    • APRC
      3.30%
    • Product Fee
      £995
    • Monthly Repayment
      £373.26
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.93% Fixed to 30/11/2023
    • APRC
      3.30%
    • Product Fee
      £995
    • Monthly Repayment
      £373.71
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.93% Fixed to 30/11/2023
    • APRC
      3.30%
    • Product Fee
      £995
    • Monthly Repayment
      £373.71
  • Santander's logo'

    Santander 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.94% Fixed to 02/12/2023
    • APRC
      2.90%
    • Product Fee
      £999
    • Monthly Repayment
      £374.16
    Continue on Fluent Mortgages' website + More info
  • Virgin Money's logo'

    Virgin Money 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.94% Fixed to 01/02/2024
    • APRC
      3.70%
    • Product Fee
      £995
    • Monthly Repayment
      £374.16
    Continue on Fluent Mortgages' website + More info
  • Barclays Mortgage's logo'

    Barclays Mortgage 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.96% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £375.06
    Continue on Fluent Mortgages' website + More info
  • HSBC's logo'

    HSBC 5 Year Fixed

    • Initial Rate
      0.96% Fixed to 30/11/2026
    • APRC
      2.70%
    • Product Fee
      £1,499
    • Monthly Repayment
      £375.06
  • Leeds BS's logo'

    Leeds BS 2 Year Fixed

    • Initial Rate
      0.96% Fixed to 31/12/2023
    • APRC
      4.40%
    • Product Fee
      £999
    • Monthly Repayment
      £375.06
    Continue on Fluent Mortgages' website + More info
  • Barclays Mortgage's logo'

    Barclays Mortgage 2 Year Fixed

    • Initial Rate
      0.97% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £749
    • Monthly Repayment
      £375.52
    Continue on Fluent Mortgages' website + More info
  • NatWest's logo'

    NatWest 5 Year Fixed

    • Cashback Available
    • Initial Rate
      0.97% Fixed to 30/11/2026
    • APRC
      2.70%
    • Product Fee
      £995
    • Monthly Repayment
      £375.52
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 5 Year Fixed

    • Cashback Available
    • Initial Rate
      0.97% Fixed to 30/11/2026
    • APRC
      2.70%
    • Product Fee
      £995
    • Monthly Repayment
      £375.52
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 2 Year Fixed

    • Initial Rate
      0.97% Fixed to 31/10/2023
    • APRC
      3.70%
    • Product Fee
      £1,495
    • Monthly Repayment
      £375.52
    Continue on Fluent Mortgages' website + More info
  • NatWest's logo'

    NatWest 5 Year Fixed

    • Cashback Available
    • Initial Rate
      0.98% Fixed to 30/11/2026
    • APRC
      2.70%
    • Product Fee
      £995
    • Monthly Repayment
      £375.97
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 5 Year Fixed

    • Cashback Available
    • Initial Rate
      0.98% Fixed to 30/11/2026
    • APRC
      2.70%
    • Product Fee
      £995
    • Monthly Repayment
      £375.97
  • Barclays Mortgage's logo'

    Barclays Mortgage 3 Year Fixed

    • Cashback Available
    • Initial Rate
      0.99% Fixed to 30/11/2024
    • APRC
      3.00%
    • Product Fee
      £999
    • Monthly Repayment
      £376.42
    Continue on Fluent Mortgages' website + More info
  • Coventry BS's logo'

    Coventry BS 2 Year Fixed

    • Initial Rate
      0.99% Fixed to 31/12/2023
    • APRC
      3.90%
    • Product Fee
      £999
    • Monthly Repayment
      £376.42
    Continue on Fluent Mortgages' website + More info
  • Furness BS's logo'

    Furness BS 2 Year Fixed

    • Initial Rate
      0.99% Fixed for 2 years
    • APRC
      4.50%
    • Product Fee
      £999
    • Monthly Repayment
      £376.42
    Continue on Fluent Mortgages' website + More info
  • HSBC's logo'

    HSBC 3 Year Fixed

    • Initial Rate
      0.99% Fixed to 30/11/2024
    • APRC
      3.00%
    • Product Fee
      £999
    • Monthly Repayment
      £376.42

Your home may be repossessed if you do not keep up repayments on your mortgage.

The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

Our mortgage comparison service is partnered with Fluent Mortgages for selections made outside of our featured lenders. Featured lenders are firms with whom we have a direct commercial relationship.

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Last updated on 04 March 2021.

50% LTV Mortgages FAQ

What is a 50% LTV mortgage?

Loan-to-value (LTV) is the proportion of the value of a property that a mortgage will allow you to borrow. Some providers offer mortgages at an LTV of 50%, which would mean that half the property’s value is paid for by the mortgage itself, with the remaining half coming from your deposit.

How do you calculate LTV?

When seeking a mortgage, you simply divide the sum you wish to borrow by the total value of a property and multiply it by 100. This should give you a percentage figure adding up to 50% or some other percentage figure, depending on the LTV you can secure.

What’s the ideal LTV for a mortgage?

This depends. Some consider an LTV of 80% to be ideal because it guarantees an affordable rate of interest and increases the chances of being approved on your mortgage.

Is a higher LTV riskier on a mortgage?

Yes. The higher the LTV on your mortgage, the riskier it is for the lender to offer you a mortgage, because less equity is offered up by the borrower and the likelihood of default is therefore greater.

Can you get a 50% LTV mortgage on bad credit?

It’s easier to secure a mortgage with an LTV as low as 50% on bad credit, but you need to be mindful of how bad credit will limit the options available to you. Out of the mortgages still open, interest will be higher, as poor credit is perceived as higher risk for lenders.

How do I secure a 50% LTV mortgage on bad credit?

Despite having poor credit, you can find ways to acquire a 50% LTV mortgage, such as showing proof of a stable income or offering a high deposit to allay any concerns the provider may have about high risk.

What happens if I struggle to meet repayments?

While having a 50% LTV on a mortgage offers you more competitive mortgage rates, defaulting on a mortgage is still possible, and could result in repossession proceedings. Your credit rating would be damaged. Always contact a lender as soon as possible repayment issues become increasingly likely.