Compare 75% LTV Mortgages

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You have a 75% loan-to-value
  • 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
      £562.60
    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
      £563.27
    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
      £563.27
    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
      £564.63
    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
      £564.63
  • HSBC's logo'

    HSBC 2 Year Fixed

    • Initial Rate
      0.99% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £564.63
  • Click here to see 1 similar product
  • 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
      £564.63
    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
      £564.63
    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
      £564.63
    Continue on Fluent Mortgages' website + More info
  • Santander's logo'

    Santander 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.99% Fixed to 02/12/2023
    • APRC
      2.90%
    • Product Fee
      £749
    • Monthly Repayment
      £564.63
    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
      £564.63
    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
      £566.67
  • 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
      £566.67
  • 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
      £567.35
    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
      £567.35
    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
      £567.35
    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
      £567.35
    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
      £567.35
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.03% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £567.35
  • Halifax's logo'

    Halifax 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.04% Fixed to 30/11/2023
    • APRC
      3.50%
    • Product Fee
      £995
    • Monthly Repayment
      £568.03
    Continue on Halifax's website + More info
  • Halifax's logo'

    Halifax 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.04% Fixed to 30/11/2023
    • APRC
      3.50%
    • Product Fee
      £995
    • Monthly Repayment
      £568.03
    Continue on Halifax's website + More info
  • Click here to see 1 similar product
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.06% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £569.39
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.06% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £569.39

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.

75% LTV Mortgages FAQ

What is a 75% LTV mortgage?

LTV (loan-to-value) is a figure denoting the size of your mortgage loan, as lent by a provider, as a proportion of a property’s value. An LTV of 75 percent means the mortgage covers three quarters of the property’s value.

What is considered a high LTV on a mortgage?

An LTV of 80 per cent is often considered the usual ratio for a mortgage. You would be unlikely to find LTVs much lower than 60 per cent or higher than 95 per cent.

What is the deposit on a 75% LTV mortgage?

If the loan given by your provider covers 75 percent of a property’s value, the deposit you will need to pay upfront is going to be 25 percent.

Is it cheaper to seek a higher-LTV mortgage?

Higher LTV ratios mean deposits will be smaller as a proportion of a property’s value, so there will be less time spent saving up on one. However, the provider will be responsible for offering up a greater sum of money in the form of the loan, so they may charge higher interest to limit risk.

Why is a good deal important for a mortgage?

Mortgages are some of the lengthiest financial commitments you can make, as they take many years to repay. If you choose the right deal to suit your financial situation, you can repay those regular instalments in a way that is affordable and mitigates unwanted financial pressure.

Is it possible to reduce the costs on monthly payments?

Yes, through products such as fixed-rate mortgages or interest-only options. The former helps put a temporary freeze on the rate of interest you pay, making monthly instalments less volatile. The latter limits monthly instalments to just interest payments, with the loan repaid at a later date as a lump sum.

Is the SVR a cheap rate to pay?

No. In many cases, when a fixed-rate mortgage term expires, customers will transition to paying the standard variable rate, which is often much more expensive. It may be better to find another fixed rate that can be more affordable instead.

Why do providers use early repayment charges?

ERCs are a means of dissuading customers from exiting a mortgage ahead of time, as they make it costlier to pay off the remaining mortgage loan. Early repayment reduces the number of remaining instalments to pay in the future, but an ERC is a cost to be considered.

Why is a good credit score important on mortgage applications?

Credit scores denote creditworthiness, and the higher they are, the less risk a provider will face if lending to you for the long term. Good credit shows capability of affording to pay regular instalments, so you will have greater access to mortgages with lower rates of interest.

What is porting?

For borrowers wishing to switch properties while retaining an existing mortgage deal, porting is the process of doing so. It requires an existing mortgage to be paid off before you can make a start on paying off the mortgage for a new property.