What is a 65% LTV mortgage?
Loan to value (LTV) is the ratio between the loan you take out and the value of the property.
A 65% LTV mortgage lets you borrow 65% of the price of the property.
You’ll pay the other 35% as a deposit before you start paying your mortgage.
If you’re remortgaging onto a 65% LTV mortgage, the 35% could be the equity in your home if:
it’s gone up in value
you’ve repaid enough of your current mortgage
The higher the LTV, the more you’ll pay in interest. This is because the more you borrow the higher the risk to the lender.
Find out more about mortgage rates and deals.
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65% LTV buy to let mortgages
Compared to higher LTV mortgages, 65% LTV buy to let mortgage can get you:
more mortgage deals to choose from as there’s less risk to the lender
a lower interest rate
a shorter term mortgage
A lower interest rate does not always mean a cheaper deal.
You can get a 65% LTV buy to let mortgage to:
buy a new property to rent out
remortgage to get a better deal
A broker can help you find the right deal. Some, like Trussle, do not charge a fee.
Read more about reasons to try Trussle.
Should I get a 65% LTV mortgage
A 65% LTV mortgage could be right for you if you’ve got 35% of the purchase price to put down as a deposit.
The lower the LTV, the lower the interest rate as lenders see the loan as less risky.
Saving a bigger deposit can help you if you want smaller monthly repayments.
How to get the best 65% LTV mortgage
The best LTV deals are those with lower interest rates and lower fees.
It's a good idea to find out exactly what you'll pay in the initial fixed or discounted period.
Find this by adding up:
any fees charged by the lender
There are usually a lot of options if you want to take out a 65% LTV mortgage deal.
A broker can help you find a mortgage deal that suits you.
Trussle works with 90 lenders who offer about 12,000 deals.
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Your home could be repossessed if you don't keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.