Compare 70% LTV Mortgages

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You have a 70% loan-to-value
  • Santander's logo'

    Santander 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.89% Fixed to 02/01/2024
    • APRC
      2.90%
    • Product Fee
      £999
    • Monthly Repayment
      £650.85
    Continue on Fluent Mortgages' website + More info
  • Santander's logo'

    Santander 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.94% Fixed to 02/01/2024
    • APRC
      3.00%
    • Product Fee
      £999
    • Monthly Repayment
      £654.78
    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
      £656.36
    Continue on Fluent Mortgages' website + More info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 2 Year Fixed

    • Initial Rate
      0.97% Fixed to 31/10/2023
    • APRC
      3.60%
    • Product Fee
      £1,495
    • Monthly Repayment
      £657.15
    Continue on Fluent Mortgages' website + More info
  • 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
      £657.15
    Continue on Fluent Mortgages' website + More info
  • Cumberland BS's logo'

    Cumberland BS 2 Year Discounted Variable

    • Initial Rate
      0.98% Discounted Variable for 2 years (3.11% disc)
    • APRC
      3.70%
    • Product Fee
      £1,999
    • Monthly Repayment
      £657.94
    Continue on Fluent Mortgages' website + More info
  • Cumberland BS's logo'

    Cumberland BS 2 Year Discounted Variable

    • Initial Rate
      0.98% Discounted Variable for 2 years (3.11% disc)
    • APRC
      3.70%
    • Product Fee
      £1,999
    • Monthly Repayment
      £657.94
    Continue on Fluent Mortgages' website + More info
  • Click here to see 1 similar product
  • 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
      £658.73
    Continue on Fluent Mortgages' website + More info
  • HSBC's logo'

    HSBC 2 Year Fixed

    • Initial Rate
      0.99% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £658.73
  • HSBC's logo'

    HSBC 2 Year Fixed

    • Initial Rate
      0.99% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £658.73
  • HSBC's logo'

    HSBC 2 Year Fixed

    • Initial Rate
      0.99% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £658.73
  • HSBC's logo'

    HSBC 2 Year Fixed

    • Initial Rate
      0.99% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £658.73
  • Click here to see 3 similar products
  • Leeds BS's logo'

    Leeds BS 2 Year Fixed

    • Initial Rate
      0.99% Fixed to 31/12/2023
    • APRC
      4.40%
    • Product Fee
      £999
    • Monthly Repayment
      £658.73
    Continue on Fluent Mortgages' website + More info
  • Nationwide BS's logo'

    Nationwide BS 3 Year Fixed

    • Cashback Available
    • Initial Rate
      0.99% Fixed for 3 years
    • APRC
      3.00%
    • Product Fee
      £999
    • Monthly Repayment
      £658.73
    Continue on Fluent Mortgages' website + More info
  • Nationwide BS's logo'

    Nationwide BS 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.99% Fixed for 2 years
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £658.73
    Continue on Fluent Mortgages' website + More info
  • Santander's logo'

    Santander 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.99% Fixed to 02/01/2024
    • APRC
      3.00%
    • Product Fee
      £749
    • Monthly Repayment
      £658.73
    Continue on Fluent Mortgages' website + More info
  • Santander's logo'

    Santander 5 Year Fixed

    • Cashback Available
    • Initial Rate
      0.99% Fixed to 02/01/2027
    • APRC
      2.30%
    • Product Fee
      £999
    • Monthly Repayment
      £658.73
    Continue on Fluent Mortgages' website + More info
  • TSB's logo'

    TSB 2 Year Fixed

    • Initial Rate
      0.99% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £658.73
    Continue on Fluent Mortgages' website + More info
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.02% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £661.11
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.02% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £661.11
  • Cumberland BS's logo'

    Cumberland BS 2 Year Fixed

    • Initial Rate
      1.03% Fixed to 01/12/2023
    • APRC
      3.80%
    • Product Fee
      £1,999
    • Monthly Repayment
      £661.91
    Continue on Fluent Mortgages' website + More info
  • Cumberland BS's logo'

    Cumberland BS 2 Year Fixed

    • Initial Rate
      1.03% Fixed to 01/12/2023
    • APRC
      3.80%
    • Product Fee
      £1,999
    • Monthly Repayment
      £661.91
    Continue on Fluent Mortgages' website + More info
  • Click here to see 1 similar product
  • Nationwide BS's logo'

    Nationwide BS 2 Year Fixed

    • Initial Rate
      1.03% Fixed for 2 years
    • APRC
      3.30%
    • Product Fee
      £999
    • Monthly Repayment
      £661.91
    Continue on Fluent Mortgages' website + More info
  • Nationwide BS's logo'

    Nationwide BS 3 Year Fixed

    • Initial Rate
      1.03% Fixed for 3 years
    • APRC
      3.10%
    • Product Fee
      £999
    • Monthly Repayment
      £661.91
    Continue on Fluent Mortgages' website + More info
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.03% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £661.91

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 01 February 2021.

70% LTV Mortgages FAQ

What is a 70% LTV mortgage?

Loan-to-value (LTV) is the ratio used to help you determine how much you can borrow as a proportion of the property you wish to purchase on a mortgage. With an LTV of 70%, your mortgage effectively covers that much of the value, while the remaining 30% is covered by the deposit you provide.

Is it normal to have a 70% LTV mortgage?

Many lenders expect a borrower to be in a position to pay at least 20% of their property’s value as an upfront deposit. A 70% LTV mortgage entails having a deposit worth 30% of the property’s value.

Is a 70% LTV mortgage ideal?

The lower your LTV on a mortgage, the less risky it is for your provider. If you can reduce risk for your provider, they will be inclined to charge a lower rate of monthly interest, helping reduce the overall cost of your mortgage.

What is an interest-only mortgage?

With interest-only mortgages you agree to pay only interest each month for the duration of your mortgage term. When it expires, you are required to pay the full cost of your loan as a single lump sum.

Why does higher interest matter on a mortgage?

As part of any mortgage repayment plan, not only do you need to repay the capital that you have borrowe, but you also need to pay interest on the sum you have borrowed.

When you’re talking about the value of a house, even a low interest rate of a few per cent can add up to a lot.

What’s the difference between residential and buy-to-let mortgages?

Both types are some of the most common mortgages requested from lenders. Buy-to-let mortgages with 70% LTV are aimed at borrowers wishing to buy a property with the intention of renting it out. Residential mortgages are simply sought by those wishing to occupy the property themselves.

Is a good credit score important on a 70% LTV mortgage?

A good credit score is important when seeking any type of financial product, including mortgages. The higher your score, the greater access you have to mortgage products with lower rates of interest and more favourable terms. Low scores denote higher risk, so costs will be higher in order to compensate.

What happens if I default on a 70% LTV mortgage?

Defaulting on monthly repayments of your 70% LTV mortgage is a serious financial matter, and could result in having to sell your property in order to pay down the debt you owe. Your credit score will be downgraded as a result of defaulting, as your provider will view you as less creditworthy.

Can I repay my 70% LTV mortgage earlier than planned?

Yes, many borrowers might wish to do so if cashflow proves sufficient. Please note that early repayment charges may be applicable, but some providers allow early repayment of a specific percentage of your mortgage each year before such charges take effect. Always check the terms and conditions with each provider.

Where can I compare 70% LTV mortgages?

NerdWallet provides an extensive comparison table, allowing you to look at the wide variety of 70% LTV mortgages on the market.