01244 950 304

Find a high LTV mortgage deal

Use the comparison calculators below
or speak to one of our advisers for expert advice

01244 950 304

Start your quote

What is a high LTV mortgage?

LTV stands for loan to value.  This is the percentage of the property's value that you need to borrow.  For example if you are purchasing a property for £150,000 but you have a £15,000 deposit, you would require a mortgage at 90% LTV.

If you have limited money available for a deposit you may be able to obtain a high LTV mortgage from a lender. 

In the current economic climate, usually anything over 80% is classed a high LTV mortgage, however many lenders will be able to offer you mortgages of 90 or 95%. 

If you are able to provide a higher value deposit and lower the LTV, you are likely to be able to get more competitive interest rates.      This is because lenders consider high LTV mortgages to be more of risk.


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

Free credit report

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

Get your report

How can we help you?

SoSmart Money are specialists when it comes to mortgage and insurance advice. Our trained expert advisers have access to the UK’s leading lenders and using their knowledge and skills will place you with the most suitable lender and product for your needs.

Speak to one of our experts for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.

trust pilot

"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."


Winner of AI Finance awards 2015 for:
Best personal finance comparison site &
Best online price comparison platform

Our trusted mortgage brands

view more
POS.gif BDA.gif BFU.gif NBS.gif BHX.gif CNW.gif TSB.gif
CLY.gif ipswich_building_society.jpg BMO.gif BNT.gif NAP.gif chorley_building_society.jpg BCH.gif BLH.gif HSB.gif LEE.gif FAM.gif YBS.gif NBS.gif CAM.gif BNW.gif BHX.gif BLF.gif BPR.gif TSB.gif BWO.gif CNW.gif TIP.gif SBS.gif market_harborough_building_society.jpg TBS.gif scottish_building_society.jpg tesco.jpg FID.gif WBB.gif BME.gif POS.gif ULS.gif BBS.gif BSA.gif BDA.gif CAN.gif clydesdale_bank.jpg BHI.gif BFU.gif VBS.gif RBS.gif CTS.gif CTE.gif HEC.gif BBV.gif bath_building_society.jpg

How it works

step 1 step 2 step 3


  • How do SoSmart Money make their money?
  • Which products can I compare with SoSmart Money?
  • Who are SoSmart Money?
  • Will I be contacted by other companies?

latest news View All News

So you have adverse credit

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


First go to: noddle.co.uk and get a copy of your credit report (don't worry the service is free for life)

get my report

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

Call 01244 456 570


Request a call

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.

Sign up to our newsletter