Jason Bailey

Experly compared by Jason Bailey

Products Updated May 11, 2018

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.

Free mortgage advice and brokerage service. Our experts can find you the perfect deal from thousands of products & exclusive deals:

Your home may be repossessed if you do not keep up repayments on your mortgage.

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All credit types
Rated 5.0/ 5

Life's Great Why?
Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.

  • TRUST
  • VALUE
  • EXPERTISE & KNOWLEDGE
  • CUSTOMER SERVICE

Learn more about how we review and assess the providers here on Lending Expert.

LTV
60% - 100%

Initial Rate
1.19% - 4.32%

Standard Rate (SVR)
3.94% - 4.79%

APRC
3.6%

Type
Variable & 3 ,5 & 10 Fixed Rate

Life's Great provides a fee free mortgage advice and comparison service. They use technology to simplify the mortgage process and to provide quotes faster without complicated questions. Their broker service is completely free to use. Click Get A Quote for a personal illustration.

75% Loan to value mortgages

75% LTV mortgages with a 25% deposit

75% LTV mortgages with a 25% deposit

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 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 scope for many first time property buyers.

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

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. There are more and more lenders becoming available for those with an adverse credit history. They have a good 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.

We are independently reviewed by our verified customers and web users:
Rating: 4.6 / 5 with 25 votes

Lending Expert is a credit broker and comparison website, we're not a lender.

We bring together the very best financial providers and products from across the market place.

Warning: Late repayment can cause you serious money problems.
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