75% Mortgages

We’ve displayed and compared all the 75% loan to value mortgage rates available on the market. See the lenders and rates on offer side-by-side and see which products offer the cheapest rates at 75% LTV. Use the mortgage search filters to change the results to match your preferences.

Recent mortgage Q&A

75% Loan to value mortgages

75% Mortgages

If you have a deposit of 25% or more then you can search and compare from the entire 75% loan to value deals available here on the website. To be eligible for a 75% mortgage you will need a minimum deposit of 25% of the property purchase price and extra funds available to pay for additional costs such as stamp duty, solicitor’s conveyancing fees and any home moving costs.

Why get a 75% LTV loan to value mortgage?

There are some excellent mortgage rates available for borrowers who have 25% deposit and you’ll obtain far better rates when compare to those who only have a 10% or 20% deposit. As is the same with all lenders, the larger your deposit then then the better mortgage rate you’ll get.

What are the downsides to getting a 75% LTV mortgage?

The greater you’re deposit then the better rate you’ll be able to obtain. This is because you are being rewarded for offering more security to the lender. Therefore if you can afford a 30% or even 40% deposit then you’ll be able to get an even better rate. However especially for first time buyers a 25% deposit is an excellent deposit amount to get started on the housing ladder, and is beyond the reach for many average first time home owners.

I have a poor credit rating can I still get a mortgage?

Poor credit mortgages

If you have a bad credit history or a low credit score then we recommend that you speak with one of our expert mortgage brokers for personal advice to meet your circumstances. They have a good and indepth understanding of the mortgage market and will be able to advise you on what options you have available.

Where can I find out what 75% mortgage deals are available?

A quick search here on the website will reveal all the 75% mortgage deals from the whole of the UK mortgage lenders. You’ll be able to compare each lender side by side to see who are offering the best deals at the cheapest rates.

How can I get further mortgage advice?

If you need further advice then please speak to a mortgage broker here on the website. They will be happy to offer and further help and advice you may require regarding your mortgage requirements. Their advice is free and there is no obligation to proceed with a mortgage application.

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