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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 90% LTV Mortgage Application Today With Lending Expert!

A 90% loan to value (LTV) mortgage lets you secure a property with a deposit of only 10% making it a good option for those with little savings or for first-time buyers.

Historically, 90% LTV mortgages have not been widely available due to the perceived risk incurred by lenders. With the need to only provide a 10% deposit, the lenders are left to provide 90% of the property value, which is a huge amount. Usually, lenders make up for this via a higher than average interest rate for the mortgage term.

The Covid outbreak caused an overwhelming majority of banks and financial institutions to take their 90% mortgages off the market, in an effort to reduce risk exposure. However, as we come out of the pandemic, many lenders are starting to reintroduce the 90% scheme.

If you are providing a 10% deposit, your choice of available mortgages may be fairly low. However, working with a mortgage broker such as Lending Expert will ensure that you are getting the best deal on the market. Also, speaking to a mortgage broker before securing a mortgage will make sure that you are finding something in line with your requirements.

Lending Expert is a mortgage broker and can compare over 1,000 90% mortgage deals across the UK. Whilst high street banks will typically offer 90% 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 90% mortgage according to your requirements.


Key Features of a 90% LTV Mortgage

  • 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 no deposit mortgages.


Am I Eligible for a 90% LTV Mortgage?

You are eligible for a 90% mortgage if you are able to put down a deposit of 10% 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.

Other eligibility criteria that can apply for a 90% LTV mortgage includes:

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


How Do 90% Mortgages Work?

Getting a 90% mortgage means that you will borrow 90% of your property’s value from your lender and the other 10% you will give as a deposit.

You will also be able to get a 90% mortgage if you already have 10% equity in your property.

Usually, there are strict lending criteria associated with 90% mortgages as the lender is contributing the majority of the property’s value so there is more risk.

Use Lending Expert as your mortgage broker to find the best deal for your circumstances.


How Do I Compare 90% 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.

Speak to an expert today by contacting Lending Expert and start comparing 90% LTV mortgages.


What Are the Risks Associated With a 90% LTV Mortgage?

90% mortgages may seem like a no brainer for first-time buyers or those with very little savings. A 10% deposit is very affordable for most borrowers and they are able to borrow the remainder of the property’s value. However, this may be too good to be true.

What is not paid in the initial deposit will cost you in the long-term. That is to say, although the initial deposit is negligible, borrowers will be faced with higher-than-normal interest rates for the duration of their loan term, meaning that in the long-term their mortgage will be costing them much more.

There may also be stricter lending criteria or hidden fees such as arrangement fees.

Thus, it is always worth exploring whether you can afford to save for a higher initial deposit and save money in the long term.



What Type of Mortgage Can I Have With a 90% LTV?

Following the Covid pandemic, there are fewer 90% mortgages available on the market. However, working with a mortgage broker can help you explore the available options.


Do I Need Good Credit To Get a 90% Mortgage?

A low deposit can also be linked to little or no credit history, meaning that it might be difficult to secure a mortgage. However, Lending Expert can help you find out your options in the case that you have bad credit or a lower credit score.

Using Lending Expert as your mortgage broker will allow you to get the best deal for your financial circumstances, whether that be a 90% mortgage or otherwise!


Factors To Consider When Looking at 90% Mortgages

There are many different factors to consider before taking out a 90% mortgage and it is not always the case that the cheapest is the best.

  • Lowest Mortgage Rate – one of the most obvious things to look out for when trying to secure a 90% mortgage is the mortgage interest rate. The lower this is, the less you will spend overall in the long run.
  • Fees – always factor in any administration or transaction fees as these may use up a significant amount of your savings. When looking at the best deals, fees may mean that the cheapest LTV mortgage rate is not actually the best value.
  • Incentive Packages – many mortgage providers offer incentives such as a free legal fees or free valuations which could savea a considerable amount of money. Some also offer cashback on completion which can be extremely helpful, especially for first-time buyers.
  • Affordability – before taking out a mortgage, you will need to prove both that you can afford the mortgage now and in the case of increased interest rates. For this, you will need to show evidence of your spending, income and any future costs.


What Areas of the UK Are Covered by Lending Expert Cover?

We proudly offer 90% mortgages across the entire UK, including Birmingham, Brighton, Bristol, Cardiff, Edinburgh, Glasgow, Leeds, Liverpool, London, Manchester, Nottingham, Newcastle, Sheffield and more.


How Can Lending Expert Help Find You the Best 90% Mortgage?

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 90% mortgages and get the best deals today with Lending Expert.

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