90% LTV mortgage

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90% LTV Mortgage – making a return

A 90% Loan to Value (LTV) mortgage are when a lender lends 90% of the property value to the borrower. For this the borrower has to have a 10% deposit and it’s a typical scenario for many first time buyers .

Getting a 90% LTV mortgage is easier than it was.

If you are looking for a 90% LTV mortgage, it’s fair to say that, over recent months it’s been fairly tough to get. This has left many purchasers with the problem of trying to find a larger deposit or being steered towards other schemes such as the Help to Buy (which has its own pro’s and con’s).

Despite the lockdown announced in January 2021, there are still more lenders now prepared to consider 90% LTV mortgages to help prospective purchasers get on the property ladder.

However, this comes with caveats as these products are mainly aimed at first time buyers (FTB) or new customers of the various lenders ( referred to in the industry as ” New to bank” or “NTB”).

However, those who have a 10% deposit and an excellent credit score now have some good options to get a mortgage of up to 90% of the purchase price which means, for some, avoiding help to buy and other shemes or simply the difference beween buying the property or not.

Key Criteria & Application Guidance

Of course every mortgage will be subject to status, affordability and the lenders own criteria. Therefore it makes sense to go through a mortgage broker who can advise you, prepare your application in the best way and handle all the administration for you.

Also some of these lenders are only available through mortgage intermediaries so using a broker makes even more sense to access all products.

Some lenders operate nationally and some locally which means in certain areas of the country you may get different or better deals.

Here is the current list of lenders offering 90% LTV mortgages (At the time of writing Jan 7th 2021)

Mainstream Lenders

Accord – FTB & NTB – Max Loan £600k
Barclays – FTB & NTB – includes New Build, JBSP and Flat (max loan £220K)
Coventry – FTB & NTB
Halifax – FTB Only
Leeds Bs – FTB, NTB and Remo (not available to those currently or recently been furloughed)
Metro Bank – FTB & NTB – (not available to those recently furloughed)
Nationwide – FTB & NTB – (employed applicants only)
NatWest – FTB & NTB
Platform – FTB, NTB and Remo applications
Santander – FTB only
TSB – FTB & NTB
Virgin Money – FTB & NTB

Building societies and specialist lenders

Understanding Market Rates & Repayment Terms

Aldermore – FTB & NTB
Chorley – for North west – (Lancashire, Merseyside, Manchester, Cumbria & Cheshire)
Darlington – for postcodes DL, TS, DH, YO, SR & HG
Dudley – DY, WV, WS, & B postcodes or can access an exclusive product with 3mc – available to anyone
Furness – (includes New Build) – 95% for Heartland Area
Hinckley & Rugby – FTB & NTB (Employed applicants only and not available on flats
Melton Mowbray – East Midlands – LE, LN, NG, NN, DE & PE9
Nottingham Bs – FTB, NTB & Remo
Reliance Bank – Key Worker Product (for joint application one applicant must be a qualifying occupation)
Saffron – FTB inc New Builds
Scottish Bs – Professional range (Scotland only)
Stafford Railway – Heartland area of Stafford

This is a snap shot of what is potentially available today but it changes daily. if you are considering a purchase or remortgage please get in touch for the latest offers specific to your circumstances.

Options if you can’t raise a 10% deposit – don’t despair

Sometimes it’s just not possible to raise the deposit you need. Obviously this can mean you need to wait and save a little longer to raise more.

However, in a rising property market the house you wanted may become out of reach faster than you can save the deposit money.

So if it is important to get on the property ladder now, you may wish to consider one of the government Help to Buy schemes, buying a shared ownership property, a Guarantor mortgages or even borrowing from the bank of Mum and Dad

Talk to a Promise Money adviser for more details

Pages which others have found useful…

Help to Buy Mortgage First time buyer mortgages Shared ownership mortgage Affordable housing

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Whole-of-Market Guidance for 90% Ltv Mortgage

Securing competitive terms on 90% ltv mortgage requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.

Consequently, reviewing your 90% ltv mortgage options with an FCA-authorised specialist credit broker ensures whole-of-market access while avoiding unnecessary fees and delays.

Explore Specialist Mortgages →

Key Takeaways: 90% Ltv Mortgage Summary

Additionally, property valuations can often be expedited, significantly reducing upfront costs and surveyor delays.

Furthermore, specialist residential lenders assess affordability based on real financial circumstances rather than automated credit scoring.

Consequently, home buyers and refinancing borrowers can secure competitive rates across 90+ UK specialist lenders.

Therefore, working with Promise Money ensures you compare optimal rates and terms for your borrowing needs.

Specifically, flexible repayment options—including fixed-rate and tracker structures—can be tailored to protect your household budget.

Moreover, mortgage facilities can be structured with clear terms to support future financial flexibility and peace of mind.

In addition, non-standard properties and self-employed applicants can be financed without high street retail banking restrictions.

Crucially, borrowers facing historic credit blips or complex income can secure competitive mortgage terms through our panel.

In practice, working with experienced mortgage advisers prevents administrative hold-ups and keeps advice fees completely transparent.

Above all, establishing verified income documentation and property details ensures smooth facility approval.

Lending Considerations & Next Steps

As a result, homeowners and prospective buyers retain complete control over their borrowing decisions and repayments.

After all, independent whole-of-market guidance ensures you never pay unnecessary arrangement fees or higher interest margins.

Meanwhile, mortgage facilities can be tailored across flexible terms to maximize borrowing capacity effectively.

Indeed, rapid decision turnaround gives you the confidence to negotiate decisively on property purchases.

Finally, clear illustrations provide total transparency regarding interest rates, monthly repayments, and loan terms.

Unlike rigid clearing banks, specialist mortgage lenders provide pragmatic flexibility when conventional channels decline.

Fortunately, second charge options allow capital raising while keeping existing favorable mortgage rates in place.

Ultimately, dedicated case managers coordinate directly with lenders and solicitors to keep your completion on schedule.

Similarly, specialist lenders assess overall affordability and security rather than automated algorithmic scoring.

Because mortgage lending criteria varies significantly across lenders, whole-of-market broker access guarantees optimal results.

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