65% LTV Mortgages

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65% LTV Mortgage

In recent years, it has become the norm for many lenders - particularly in the remortgage market - to ask for a deposit of at least 40%.  This means you need to have at least 40% equity built up in your home or have saved 40% of the property's value.

Anything over this amount would normally be classed as a high LTV mortgage.

This does not mean you won't be able to get a mortgage if you have a smaller deposit - far from it.  There are plenty of lenders around who can offer competitive rates for lower deposits - just use the mortgage calculator to compare what's available.

Just remember the higher the deposit you are able to offer, the more preferential rates you will find.


Remortgaging your home to get a batter rate? Use our remortgage comparison tool to find a competitive mortgage.


First Time Buyer

Buying your first home? We can help you to find a low rate mortgage deal that will give you a start on the property ladder.


Buy to Let

Buying a property to let out to tenants? Use our comparison tables to find a low rate mortgage deal to suit you.


Useful tools and calculators

Stamp duty calculator

Check how much stamp duty you will need to pay

Borrow calculator

Estimate how much you can borrow based on your income. If single, enter 0 in second persons income

LTV calculator

Calculate the loan to value that you need

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How can we help you?

So Smart Money are specialists when it comes to mortgage and insurance. We have access to the UK’s leading brokers and using their knowledge and skills they'll place you with the most suitable lender and product for your needs.

Speak to an expert for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.

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"Matthew at So Smart found me the best deal for my first Mortgage, he was extremely helpful! I would highly recommend this company!"

"I've been looking to switch mortgages recently to secure a better rate and the guys at So Smart Money helped me do just that."

"My mortgage enquiry was dealt with swiftly and professionally. I would highly recommend So Smart Money to others."

"I've used sosmartmoney a couple of times now, I checked my old mortgage with them and it encouraged me to get a better deal."


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So you have adverse credit

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Then get in touch with us and let us know your score, good or bad!

Call 01244 950 304


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We'll then search for a lender who will be suitable for you.

Using your credit score allows us to apply for products you're more likely to be accepted for.

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