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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.


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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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