What is a 75% LTV mortgage

With a 75% loan to value (LTV) mortgage you can borrow up to 75% of the purchase price of a home.

You pay the other 25% as a deposit before you start paying your mortgage.

If you’re remortgaging onto a 75% LTV mortgage the 25% could be the equity in your home. 

This would only be an option if:

  • your home’s gone up in value enough

  • you’ve repaid enough of your current mortgage

It’s the ratio between the loan you take out and the value of the property.

The higher the LTV, the higher the interest rate. This is because when you borrow more it's a bigger risk to the lender.

Compare our best 75% LTV (25% deposit) mortgage deals

Compare 12,000 deals from 90 lenders and one of our advisers can check whether you're eligible for the 25% deposit mortgage deals you find. Your home may be repossessed if you do not keep up repayments on your mortgage.

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75% LTV buy to let mortgages

A 75% LTV mortgage could be right for you if you want to buy a property to rent out or remortgage to get a better deal.

Some lenders left the market or are now not offering certain buy to let mortgages due to coronavirus.

You can still get a 75% LTV mortgage. Speak to a broker to find which lender has the most suitable deal for your circumstances.

75% LTV Help to Buy mortgages

If you take out a Help to Buy equity loan the government will lend you up to 20% of the cost of your home. 

This means you only need a 5% deposit and a 75% mortgage.

The loan is interest free for the first 5 years. You then pay 1.75% on the outstanding amount as interest. This goes up each year by 1%, plus inflation.

Read our Help to Buy guide to find out more.

75% LTV 5 year fixed mortgages

A 75% LTV 5 year fixed rate mortgage might be for you if you want to pay the same amount each month for the next 5 years.

Rates for a 5 year fixed mortgage are often higher than for a 2 year fixed mortgage. But you’ll know that your repayments will not go up in that time.

If you want to pay a lower rate, you can take out a 2 year fixed rate mortgage. You can then take out another fixed rate mortgage after but interest rates may have risen by then.

Should I get a 75% LTV mortgage

A 75% LTV mortgage could suit you if you’ve got a 25% deposit.

There’s usually lots of 75% LTV mortgages on the market. Ask a mortgage broker to find you a deal that best suits your situation.

How to get the best 75% LTV mortgage

The best 75% LTV mortgages have lower interest rates and fees.

There might be less choice at the moment as some lenders have fewer mortgages due to coronavirus.

Speak to a broker who works with lots of lenders if you need help.

Trussle works with 90 lenders offering about 12,000 deals.

To get the best deal make sure you know how much a mortgage will really cost you before taking it out. 

This is the true cost. It’s the total amount you'll pay back over the initial fixed or discounted period.

Add up the interest, monthly repayments and any fees, then take away any cashback.

We also consider how much you’d still have to pay back at the end of the initial period.

It's easier to find the most suitable deal for you if you know:

  • the true cost

  • how much you have left to pay at the end of the initial period

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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.

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