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LTV Mortgages

Our platform allows you to compare various lenders, interest rates, and terms, empowering you to make informed decisions about your mortgage.

Our mortgage advisers can help you get the best LTV mortgages from 10% to 90%, and perhaps beyond. We are determined to help you to get on the property ladder as soon as possible!


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What Are LTV Mortgages?

What Are LTV Mortgages?

An LTV mortgage, also known as Loan-to-Value mortgage, is a type of mortgage that calculates the loan amount in relation to the appraised value or purchase price of a property.

LTV represents the percentage of the property’s value that is being financed through the mortgage loan.

For example, in a 70% LTV mortgage, the loan is 70% of the properties value, and the remaining 30% is paid upfront in what is known as a deposit or down payment.

What Types Of LTV Mortgage Are Available?

Deedle Finance connects users with a wide range of mortgage products tailored to their needs. Whether you’re a first-time homebuyer, looking to refinance an existing mortgage, or seeking an investment property loan, Deedle Finance offers a diverse selection of LTV mortgages such as:

With Deedle Finance, finding the right LTV mortgage has never been easier. Start exploring your options today and take a step closer to homeownership or achieving your real estate goals.

What Types Of LTV Mortgage Are Available?

How To Get An LTV Mortgage

Step 1
Complete Deedle's Form
Enter key details on our online form including your name, contact information and requirements.
Step 2
Receive A Callback
Once you submit the form, you can expect a prompt callback from our team of skilled professionals who will guide you through the mortgage procedure.
Step 3
Check If You Qualify
Our expert advisors will request details such as your yearly earnings. This is used to determine your borrowing capacity and match you with the best rates.
Step 4
Receive Your LTV Mortgage
Once we have found a loan to suit your borrowing requirements, our advisers can submit your mortgage application and help you get on the property ladder ASAP!

How Is the Loan-To-Value Ratio Calculated?

The Loan-to-Value ratio is calculated by dividing the mortgage loan amount by the appraised value or purchase price of the property (whichever is lower) and multiplying it by 100 to get a percentage.

For example, if you borrow £200,000 to purchase a home appraised at £250,000, your LTV ratio would be 80% (£200,000 / £250,000 * 100).

Why is LTV Important in Mortgages?

LTV is important because it helps lenders assess the risk associated with a mortgage.

Higher LTV ratios indicate a higher risk for the lender, as borrowers have less equity in the property. Lower LTV ratios, on the other hand, show a lower risk because borrowers have more substantial equity.

Get The Best Rates For LTV Mortgages

Are LTV Mortgages Available for All Types of Properties?

Yes, more or less! LTV mortgages are commonly available for various types of properties. However, eligibility criteria may vary between lenders, and certain property types, such as investment properties or unique structures, may have different LTV restrictions or requirements.

You can get an LTV mortgage on…

Residential homes (single-family houses)

Vacation homes
Second homes

Investment properties
Rental properties
Mixed-use properties
Manufactured homes
Unique structures

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What Are the Advantages to Having a Lower Loan-To-Value Ratio?

  1. Better Interest Rates: With a lower LTV, lenders perceive the loan as less risky, resulting in potentially lower interest charges over the life of the mortgage.
  2. Favorable Loan Terms such as longer repayment periods, lower monthly payments, or reduced fees.
  3. Easier Mortgage Approval because you present a lower risk profile to lenders.
  4. Protection Against Property Value Decline: If the real estate market experiences a downturn, having more equity in your property can help protect you from negative equity.
  5. Increased Refinancing Options including lower interest rates or the ability to tap into your home equity for other financial needs.

What Are the Disadvantages to Having a Lower Loan-To-Value Ratio?

  1. Larger Down Payment Requirement: To achieve a lower LTV ratio, you would need to provide a larger down payment upfront.
  2. Opportunity Cost of Tied-Up Equity: By putting more money towards a larger down payment, you tie up a significant amount of funds in your property. This reduces the amount of capital available for other investments or financial goals that could potentially provide higher returns.
  3. Potential Overpaying for Property: If property values appreciate slower than expected, you may have paid more upfront for your home than necessary, resulting in a lower return on investment.

Frequently Asked Questions About LTV Mortgages

Can the Loan-To-Value Ratio Change Over Time?

Yes, the Loan-to-Value ratio can change over time.

How Can I Improve My Loan-To-Value Ratio?

  • Put in more money upfront
  • Wait for the property value to change
  • Refinance your mortgage

Can I Get an LTV Mortgage if I Have a Low Credit Score?

Yes! Deedle considers people for LTV mortgages even if they have bad credit, although we may need to contact specialist lenders for this. Fill in our form and we can match you with the perfect mortgage.

Can I Refinance an LTV Mortgage to Lower My Loan-To-Value Ratio?

Yes, you can! Refinancing can be a good option to lower your Loan-to-Value ratio. If your property has appreciated in value or you have made significant mortgage payments, you may be able to refinance to a new loan with a lower LTV ratio. This can result in better terms, such as lower interest rates or the removal of PMI if the new LTV ratio falls below the threshold.

Are There Any Advantages to Having a Higher Loan-To-Value Ratio?

Yes, for example if property values are expected to appreciate significantly, a higher LTV ratio allows you to benefit from the future value increase without requiring a larger down payment upfront. They are also a viable choice for people who can afford to pay monthly instalments but who do not have a large down payment saved.