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90% LTV Mortgages

If you are able to offer a 10% deposit, then you will be able to apply for a 90% LTV mortgage.    This is the amount you need to borrow compared to the value of the property you are purchasing.

For example if you are buying a property for £200,000 and have a deposit of £20,000 then you should qualify for a 90% LTV mortgage. 

A 90% LTV is classed as a high LTV mortgage and rates may not be so competitive as those with a lower LTV.  Therefore you are likely to have access to better rates if you are able to offer a larger deposit.

Remortgaging

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

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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.

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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.

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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

Free credit report

We have teamed up with Noddle, who will provide you with a free credit report for life.

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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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How it works

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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So you have adverse credit

Don't worry we can still help, simply follow the steps below

1

Get a copy of your fill from Uk Credit Rating using their FREE* service.

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2

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

Call 01244 950 304

or

Request a call
3

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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