Find a high LTV mortgage deal

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

01244 264 866

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?

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.

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

Trusted mortgage brands

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

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


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

get my report

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

Call 01244 950 304


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