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100% Recommend

The Independent review organisation Reviews.co.uk report that 100% of reviewers recommend Lending Expert

Lending Experts

We’re mortgage experts. This means we know our stuff when it comes to all types of mortgages. We know where the best rates are and have access to exclusive deals just for Lending Expert customers.

Huge Market Comparison

We’re not tied to one lender which means we can search the wider market to find you the cheapest mortgages from across the UK.

Authorised & Regulated

Lending Expert is an FCA regulated credit broker which means you can be assured you are dealing with a legitimate and reputable finance company.

Flexible Lending

If you have bad credit or have previously been refused a mortgage we can consider your application. Whatever your circumstances please get in touch and we'll do our best to help find you the perfect mortgage deal.

Start Your 75% LTV Mortgage Application Today With Lending Expert!

A 75% Loan to Value (LTV) Mortgage means that you will be borrowing 75% of your home’s value for your mortgage. The other 25% of the property’s value you would need to provide as a deposit.

A 75% mortgage has many benefits. Giving a 25% deposit allows you to choose from a much wider variety of mortgage offers than if you were to give a smaller deposit like for an 80% or 85% mortgage.

One downside is that it may take you much longer to save up for a 25% deposit and a 75% LTV mortgage may not be in reach for first-time buyers or remortgagers.

However, if you can afford to give a 25% deposit for your 75% mortgage then you will be eligible for much lower interest rates for a large range of mortgage deals, especially when you use Lending Expert as your mortgage broker.

70% LTV mortgages are also available with Lending Expert and if you can afford a 30% deposit you will get an even better deal for your mortgage.

Before taking out a 75% mortgage, make sure to share the objectives with your mortgage advisor so that you can ensure the mortgage suitably meets your requirements.

Lending Expert is a mortgage broker who can compare over 1,000 75% mortgage deals across the UK. Whilst high street banks will typically offer 75% mortgages too, we can help find the best option for you, with rates from 1.39% per month, whether you are looking for interest only, fixed, variable, tracker or have a bad credit history.

Start by clicking on ‘Check my Eligibility’ below and enter some basic details about you and your property, and Lending Expert will help you find the best 75% mortgage according to your requirements.


Key Features

  • Rates from 1.39% per month.
  • Borrow up to £2 million.
  • Loan Term – 1 to 25 years or upon request.
  • Interest only, fixed, tracker mortgages available.
  • Free tool to compare 75% mortgages.


Am I Eligible for a 75% LTV Mortgage?

  • Aged 25 to 85 years’ old.
  • Minimum income of £25,000 per year.
  • Deposit 25% of overall property value.
  • Good credit status.
  • Strong financial record (limited defaults, arrears).

The deposit required for a 75% mortgage is 25% of the property value.

Larger deposits will usually result in paying lower rates overall, since you have paid off and own more of the property. Putting down a higher deposit may also be a requirement for those individuals with limited financial records or weaker credit ratings.


How Do 75% Mortgages Work?

Getting a 75% mortgage means that you will borrow 80% of your property’s value from your lender and the other 25% you will give as a deposit.

You will also be able to get a 75% mortgage if you already have 25% equity in your property.

The deals for a 75% mortgage tend to be better as you have to borrow less money meaning interest rates can be lower. Use Lending Expert as your mortgage broker to find the best deal for your circumstances.


Can I Get a 75% Mortgage if I Have Bad Credit or a Low Credit Score?

If you have a history of bad credit, missed payments or you know you have a low credit score then the best advice would be to speak to Lending Expert, a mortgage expert.

It is definitely still possible to get a mortgage with bad credit or a low credit score but the experts at Lending Expert will find the best deal suitable for your financial needs.

They have a detailed understanding of the lenders who are willing to lend to those with a not-so perfect credit score and can find the best 75% mortgage deal for you.


How Do I Compare 75% Mortgage Rates?

Working with a mortgage broker such as Lending Expert will help you find the best mortgage to suit your circumstances, without impacting your credit rating.

Contact us today to speak to an expert and start comparing 75% LTV mortgages.



What Areas of the UK Does Lending Expert Cover as a 75% Mortgage Broker?

We proudly offer 75% mortgages across the entire UK, including Birmingham, Brighton, Bristol, Cardiff, Edinburgh, Glasgow, Leeds, Liverpool, London, Manchester, Nottingham, Newcastle, Sheffield and more.


What Are the Benefits of Getting a 75% LTV Mortgage?

There are many benefits to getting a 75% LTV mortgage instead of a higher percentage mortgage. These benefits include:

  • Lower Interest Rates – Giving a higher deposit when applying for a mortgage will always get you lower interest rates, a 75% mortgage is one of the highest deposits you could give and therefore interest rates are much lower than higher percentage mortgages.
  • More Options Available To You – Not only do you get lower interest rates but you also will be able to choose from many more options than a higher percentage mortgage. You will have a larger selection of deals to compare from allowing you to truly find the best deal for you.
  • Able To Speak To The Experts – Here at Lending Expert, we can compare all rates and types of 75% mortgage deals and we will provide the best quality service, taking the time to understand each individual’s circumstances.

Speak to us today and get started on your 75% mortgage journey.


What Type of Mortgage Can I Have With a 75% Mortgage?

As you are giving a larger deposit with a 75% mortgage then there are more types of mortgages available to you.

You will most likely be choosing from a number of mortgage types including:


Why Use Lending Expert as Your 75% Mortgage Broker?

Working with a number of high street banks and specialist mortgage lenders, Lending Expert has access to over 1,000 mortgage deals available. We’re in the perfect position to help you find the best rates and get approved,

Our eligibility checker is completely free to use and can provide an indicative quote, with no obligation.

Founded in 2013, we have years of experience working in the secured loan and mortgage market and have helped thousands of customers to date. Our values have always been to find the right product for the right individual at the competitive rate. We are pleased to offer our services for you today!

Compare mortgages and get the best deals today.

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