Compare 90% LTV Mortgages

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You have a 90% loan-to-value
  • HSBC's logo'

    HSBC 2 Year Fixed

    • Initial Rate
      1.94% Fixed to 30/11/2023
    • APRC
      3.40%
    • Product Fee
      £999
    • Monthly Repayment
      £757.69
  • Barclays Mortgage's logo'

    Barclays Mortgage 2 Year Fixed

    • Initial Rate
      1.97% Fixed to 30/11/2023
    • APRC
      3.40%
    • Product Fee
      £999
    • Monthly Repayment
      £760.31
    Continue on Fluent Mortgages' website + More info
  • Leeds BS's logo'

    Leeds BS 2 Year Fixed

    • Initial Rate
      2.00% Fixed to 31/12/2023
    • APRC
      4.50%
    • Product Fee
      £999
    • Monthly Repayment
      £762.94
    Continue on Fluent Mortgages' website + More info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 2 Year Fixed

    • Initial Rate
      2.00% Fixed to 31/10/2023
    • APRC
      3.80%
    • Product Fee
      £995
    • Monthly Repayment
      £762.94
    Continue on Fluent Mortgages' website + More info
  • Halifax's logo'

    Halifax 2 Year Fixed

    • Initial Rate
      2.02% Fixed to 30/11/2023
    • APRC
      3.60%
    • Product Fee
      £995
    • Monthly Repayment
      £764.69
    Continue on Halifax's website + More info
  • Halifax's logo'

    Halifax 2 Year Fixed

    • Initial Rate
      2.02% Fixed to 30/11/2023
    • APRC
      3.60%
    • Product Fee
      £995
    • Monthly Repayment
      £764.69
    Continue on Halifax's website + More info
  • Click here to see 1 similar product
  • Cumberland BS's logo'

    Cumberland BS 2 Year Discounted Variable

    • Initial Rate
      2.04% Discounted Variable for 2 years (2.05% disc)
    • APRC
      4.00%
    • Product Fee
      £1,999
    • Monthly Repayment
      £766.45
    Continue on Fluent Mortgages' website + More info
  • Cumberland BS's logo'

    Cumberland BS 2 Year Discounted Variable

    • Initial Rate
      2.04% Discounted Variable for 2 years (2.05% disc)
    • APRC
      4.00%
    • Product Fee
      £1,999
    • Monthly Repayment
      £766.45
    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
      2.04% Fixed for 2 years
    • APRC
      3.40%
    • Product Fee
      £999
    • Monthly Repayment
      £766.45
    Continue on Fluent Mortgages' website + More info
  • Nationwide BS's logo'

    Nationwide BS 3 Year Fixed

    • Initial Rate
      2.04% Fixed for 3 years
    • APRC
      3.30%
    • Product Fee
      £999
    • Monthly Repayment
      £766.45
    Continue on Fluent Mortgages' website + More info
  • Santander's logo'

    Santander 2 Year Fixed

    • Cashback Available
    • Initial Rate
      2.04% Fixed to 02/12/2023
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £766.45
    Continue on Fluent Mortgages' website + More info
  • Virgin Money's logo'

    Virgin Money 2 Year Fixed

    • Cashback Available
    • Initial Rate
      2.04% Fixed to 01/02/2024
    • APRC
      3.90%
    • Product Fee
      £995
    • Monthly Repayment
      £766.45
    Continue on Fluent Mortgages' website + More info
  • Virgin Money's logo'

    Virgin Money 2 Year Fixed

    • Cashback Available
    • Initial Rate
      2.04% Fixed to 01/02/2024
    • APRC
      3.90%
    • Product Fee
      £995
    • Monthly Repayment
      £766.45
    Continue on Fluent Mortgages' website + More info
  • Virgin Money's logo'

    Virgin Money 2 Year Fixed

    • Initial Rate
      2.04% Fixed to 01/02/2024
    • APRC
      3.90%
    • Product Fee
      £995
    • Monthly Repayment
      £766.45
    Continue on Fluent Mortgages' website + More info
  • Click here to see 2 similar products
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 2 Year Fixed

    • Initial Rate
      2.04% Fixed to 31/10/2023
    • APRC
      3.60%
    • Product Fee
      £995
    • Monthly Repayment
      £766.45
    Continue on Fluent Mortgages' website + More info
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Cashback Available
    • Initial Rate
      2.05% Fixed to 30/11/2023
    • APRC
      3.40%
    • Product Fee
      £995
    • Monthly Repayment
      £767.33
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 2 Year Fixed

    • Cashback Available
    • Initial Rate
      2.05% Fixed to 30/11/2023
    • APRC
      3.40%
    • Product Fee
      £995
    • Monthly Repayment
      £767.33
  • Skipton BS's logo'

    Skipton BS 2 Year Fixed

    • Initial Rate
      2.05% Fixed to 30/11/2023
    • APRC
      4.20%
    • Product Fee
      £995
    • Monthly Repayment
      £767.33
    Continue on Fluent Mortgages' website + More info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 3 Year Fixed

    • Initial Rate
      2.05% Fixed to 31/10/2024
    • APRC
      3.70%
    • Product Fee
      £995
    • Monthly Repayment
      £767.33
    Continue on Fluent Mortgages' website + More info
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Cashback Available
    • Initial Rate
      2.06% Fixed to 30/11/2023
    • APRC
      3.40%
    • Product Fee
      £995
    • Monthly Repayment
      £768.21
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 2 Year Fixed

    • Cashback Available
    • Initial Rate
      2.06% Fixed to 30/11/2023
    • APRC
      3.40%
    • Product Fee
      £995
    • Monthly Repayment
      £768.21
  • Cumberland BS's logo'

    Cumberland BS 2 Year Fixed

    • Initial Rate
      2.09% Fixed to 01/12/2023
    • APRC
      4.00%
    • Product Fee
      £1,999
    • Monthly Repayment
      £770.85
    Continue on Fluent Mortgages' website + More info
  • Cumberland BS's logo'

    Cumberland BS 2 Year Fixed

    • Initial Rate
      2.09% Fixed to 01/12/2023
    • APRC
      4.00%
    • Product Fee
      £1,999
    • Monthly Repayment
      £770.85
    Continue on Fluent Mortgages' website + More info
  • Click here to see 1 similar product
  • TSB's logo'

    TSB 2 Year Fixed

    • Cashback Available
    • Initial Rate
      2.09% Fixed to 30/11/2023
    • APRC
      3.40%
    • Product Fee
      £995
    • Monthly Repayment
      £770.85
    Continue on Fluent Mortgages' website + More info
  • TSB's logo'

    TSB 2 Year Fixed

    • Cashback Available
    • Initial Rate
      2.09% Fixed to 30/11/2023
    • APRC
      2.60%
    • Product Fee
      £995
    • Monthly Repayment
      £770.85
    Continue on Fluent Mortgages' website + More info

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.

90% LTV Mortgages FAQ

What is a 90% LTV mortgage?

A 90% LTV mortgage is a financial product where the loan-to-value (LTV) on a new mortgage covers 90% of the value of a property, provided by the lender. The remaining 10% is paid up-front by the borrower as a deposit.

Why seek a 90% LTV mortgage?

An LTV of 90% on a mortgage means a borrower spends less time saving up to buy a property than they would have to on a mortgage requiring a larger deposit. It reduces the upfront costs as a result, allowing them to buy a property sooner rather than later.

Who are 90% LTV mortgages best suited for?

First-time buyers are generally most likely to benefit from a 90% LTV on a mortgage, as this means having a smaller deposit to save up for. This allows them to get onto the housing ladder sooner.

Do 90% LTV mortgages carry higher costs?

Yes. As the lender is required to provide a large contribution in a financial sense, they will wish to mitigate risk if a borrower defaults. As a result, they will likely require a higher rate of interest to be paid on the mortgage for the duration of the loan term to compensate.

What’s the highest LTV I can find on the market?

It’s hard to find a mortgage with an LTV higher than 90-95% on the market, as higher LTVs require such a great financial commitment from lenders.

Does a credit score matter on a 90% LTV mortgage?

Yes. Even if your deposit is low, your credit score will need to be considered good to prove to your provider that you are capable of paying back the mortgage on a regular basis. With a lower credit score, fewer providers will be willing to lend, and those who are willing will charge a higher level of interest.

Where can I compare the best 90% LTV mortgages?

NerdWallet has a number of comparison tables to help you determine which 90% LTV mortgage will be most suitable for your requirements.

Why does interest matter on a 90% LTV mortgage?

Interest is cumulative and accrues for the duration of your mortgage term. Mortgages are significant financial commitments, often being paid back over years or even decades. The longer the term lasts for, the greater the volume of interest payments you will need to account for.

Can interest vary on 90% LTV mortgages?

This depends on whether you opt for a fixed- or variable-rate mortgage. Some providers offer 90% LTV mortgages which keep the interest rate fixed for a short-term period, keeping costs predictable and easy to account for.

What would a variable-rate mortgage mean?

You should expect your mortgage interest costs to fluctuate from month to month on a variable-rate mortgage, as they will be moving in tandem with market rates based on what other lenders provide, as well as the rate of interest set by the Bank of England.

Can I repay my 90% LTV mortgage early?

If you have higher levels of cash flow than expected, it should be possible to start making early repayment on your mortgage, to reduce the number of payments left in the long-term. However, many lenders have an Early Repayment Charge, so make sure to check how much this might cost first, before making any agreements.