High LTV Remortgages

Remortgaging when your mortgage is still a high percentage of your home's value…

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LTV stands forLoan To Valueand it is one way that lenders measure the risk of mortgage lending. Your loan to value ratio is the amount you want to borrow, expressed as a percentage of your home's current market value. So the LTV is related to three things:

  1. The deposit you put down before you took out a mortgage
  2. The amount of capital (as opposed to monthly interest) that you have repaid on your mortgage so far
  3. The amount that your home has risen or fallen in market value

So a person who put down a 15% deposit, has a repayment mortgage which they've been meeting or exceeding monthly payments on for several years, and whose home has risen in value, will have a much higher LTV than someone who bought their home with a lower deposit, took out an interest-only loan, bought within the last couple of years, or whose home has fallen in value.

Mortgage LTV limits

The unmistakeable trend in the mortgage market has been for banks to lend to people with a relatively low level of borrowing against their property's value.

Not long ago, you could routinely re-mortgage above 90% LTV. During 2007-2008, lenders retreated and began to offer remortgages only under 85%. Until recently, most of the best remortgage deals have only been available to those with loan to value ratios of under 60%.

Now that is changing. Although 75% is a typical ceiling for chart-topping rates, there are some lenders who are discreetly offering 90% LTV re-mortgages, but only to existing customers at the moment. If your lender isn't doing that, what are your options.

Remortgages above 80% LTV

There are a variety of lenders who still cater for the high loan-to-value remortgage borrower:

You're best off speaking to an impartial mortgage adviser to get access to whole-of-market comparisons and valuable advice.

Getting a high-LTV remortgage

To speak to an impartial re-mortgage adviser, who can ease your path to getting that high-LTV remortgage deal and help you with any necessary comparisons, click hereto get a prompt call back with expert advice from an FSA authorised firm.


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