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75% LTV mortgages
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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.
The FCA does not regulate mortgages on commercial or investment buy-to-let properties.
What is a 75% LTV mortgage?
With a A 75% LTV mortgage you borrow 75% of the property value from a lender, and put down the rest as a deposit. LTV stands for ‘loan to value’ so the loan size as a percentage of the overall value.
For example: If you have a deposit worth 25% of the value of the property you want to buy, you may be able to get a 75% LTV mortgage.
The mortgage rates available to you depend on the LTV of your borrowing. Our research into remortgage statistics suggests that the lower the LTV ratio, the cheaper the mortgage rates you’ll usually have access to. A 75% LTV mortgage is considered to be in the mid-range of thresholds.
How do 75% LTV mortgages work?
Mortgages work in the same way no matter what the LTV is. The LTV of a mortgage simply determines the size of your deposit, and the current mortgage rates available to you.
With a 75% LTV mortgages you'll repay the 75% loan you've borrowed over the course of the mortgage term, alongside interest.
For example: You’ll have a 75% LTV if you are buying a home for £200,000 with a deposit of £50,000 and mortgage of £150,000.
The table opposite shows how much the deposit and loan amounts for a 75% mortgage at different property values would be.
| Property value | Deposit amount (25%) | Mortgage loan amount (75%) |
|---|---|---|
| £200,000 | £50,000 | £150,000 |
| £300,000 | £75,000 | £225,000 |
| £400,000 | £100,000 | £300,000 |
| £500,000 | £125,000 | £375,000 |
| £600,000 | £150,000 | £450,000 |
What 75% LTV mortgage rates are available?
When taking out a mortgage, you'll have the choice between a fixed-rate mortgage or a variable-rate deal. No matter what type of interest-rate you choose, the best 75% LTV mortgage rates will be available to those with a strong credit score, and who are able to best match lender criteria.
Fixed-rate mortgages
Fixed-rate mortgage deals have set interest rates for a fixed period of time – this means your repayments won't go up during this period - so it can be a particularly good choice for first-time buyers.
You can get two, three and five year deals, although longer term fixed-deals are available. Although usually initially more expensive than variable deals, you’ll benefit from the certainty that your rate won't go up - although you won’t benefit if rates go down.
Variable-rate mortgages
A variable-rate mortgage deal has an interest rate that go up or down during the initial deal period. There are three different types of variable rate, discounted, tracker and standard variable rate (SVR).
Standard variable rate (SVR)
The SVR is set by the lender and you'll automatically default onto this rate when any other deal you have ends, unless you remortgage.
SVRs tend to be higher, so most people remortgage at the end of their deal to take advantage of a lower rate. However, they are generally the most flexible option, offering unlimited overpayments and no early repayment charges (ERCs).
Discounted rate
Discount mortgage deals give you a set discount on the lender’s standard variable rate (SVR) for an initial period - usually two to five years. The interest rate can go up or down with any changes to the SVR.
For example: you may get a discount of 3% from the lender’s SVR so if the SVR is 4.5% you’ll pay 1.5%. But if your lender raises its SVR to 5% your rate will go up to 2%.
Tracker rate
A tracker mortgage deal is set at a certain level above an external financial indicator, usually the Bank of England base rate. If the base rate rises or falls, your rate will follow it
For example: If your rate is set at one percentage point above the base rate - which is currently , you'd pay 6%.
Best 75% LTV mortgage rates
This table shows some of our partner Mojo's best two year fixed and five-year fixed-rate deals available at 75% LTV. LTV is the amount you borrow compared to the value of the property. The initial rate is payable during the introductory deal period - in this case two or five years.
The Annual Percentage Rate of Change (APRC) is included after each initial rate. APRC takes fees and the standard variable rate (SVR) you're moved onto at the end of the introductory period - into account.
It can be useful when comparing the overall cost of different deals, but becomes less helpful if you plan to get a new remortgage deal at the end of your introductory period as in this case it can't predict the mortgage rate beyond the introductory period.
- 2 years
- Fixed rate
- Monthly repayment£ 1,141.26
- Loan to value75 %
- Initial interest rate4.29 %
- Variable rate7 %
- APRC6.8%
- Product fees£ 974
Representative example:Repayment mortgage of £210,000.00 over 25 years, representative APRC 6.8%. Repayments: 27 months of £1,141.26 at 4.29% (fixed), then 273 months of £1,456.75 at 7% (variable). Total amount payable £428,506.77. Early repayment charges apply until 02-Apr-2027. Arrangement, mortgage discharge, valuation and CHAPS fees total £974. Legal fees £184.75.
- 2 years
- Fixed rate
- Monthly repayment£ 1,147.15
- Loan to value75 %
- Initial interest rate4.34 %
- Variable rate7 %
- APRC6.7%
- Product fees£ 1,224
Representative example:Repayment mortgage of £210,000.00 over 25 years, representative APRC 6.7%. Repayments: 27 months of £1,147.15 at 4.34% (fixed), then 273 months of £1,457.29 at 7% (variable). Total amount payable £428,813.22. Early repayment charges apply until 02-Apr-2027. Arrangement, mortgage discharge, valuation and CHAPS fees total £1224. Legal fees £184.75.
- 2 years
- Fixed rate
- Monthly repayment£ 1,149.44
- Loan to value75 %
- Initial interest rate4.35 %
- Variable rate6.74 %
- APRC6.5%
- Product fees£ 1,014
Representative example:Repayment mortgage of £210,000.00 over 25 years, representative APRC 6.5%. Repayments: 27 months of £1,149.44 at 4.35% (fixed), then 273 months of £1,427.07 at 6.74% (variable). Total amount payable £420,624.99. Early repayment charges apply until 31-Mar-2027. Arrangement, mortgage discharge, valuation and CHAPS fees total £1014. Legal fees £126.
- 2 years
- Fixed rate
- Monthly repayment£ 1,150.62
- Loan to value75 %
- Initial interest rate4.36 %
- Variable rate6.74 %
- APRC6.5%
- Product fees£ 1,014
Representative example:Repayment mortgage of £210,000.00 over 25 years, representative APRC 6.5%. Repayments: 27 months of £1,150.62 at 4.36% (fixed), then 273 months of £1,427.18 at 6.74% (variable). Total amount payable £420,686.88. Early repayment charges apply until 31-Mar-2027. Arrangement, mortgage discharge, valuation and CHAPS fees total £1014. Legal fees £126.
The above fixed rates are provided by Mojo Mortgages and updated every 12 hours. THEY MAY NOT BE AVAILABLE WHEN YOU'RE READY TO SUBMIT AN APPLICATION.
Advantages of 75% LTV mortgages
Compared to higher LTV products, you'll generally get access to better mortgage rates and deals as the lender will see you as a less risky borrower
A 75% mortgage allows you to borrow less compared to 80 to 95% LTV products which means you'll pay back less in interest overall
A 25% deposit is more manageable to save up than a larger 40% one, meaning this option may be useful for first time buyers or those who haven't built up much equity in their home
Disadvantages of 75% LTV mortgages
Raising a 25% deposit will be achievable by many people but is still likely to require many years of saving or funds from selling your previous home
If you're able to save a larger 40% deposit, you'll generally access the best mortgage deals
You'll have to borrow more than a lower LTV product, meaning you'll pay more in interest overall
75% LTV buy-to-let mortgages
Buy-to-let mortgages usually have a minimum deposit amount of at least a 25% - although this can vary between 20 and 40% depending on the lender. 75% buy-to-let mortgages are, therefore, quite common.
Of course, like residential mortgages, you'll get access to better deals and rates if you use a larger deposit. Buy-to-let deals are typically interest-only mortgages and used by investors to buy rental property, so won't be available to buy your own home.
Recent buy-to-let statistics found that there were 83,000 buy-to-let mortgages were approved in 2023, and that number is only expected to rise.
The best 75% LTV mortgages will be available to those who have a strong credit rating and otherwise meet lender criteria well. There are some competitive rates available at this LTV, so while saving a 25% deposit can be challenging, it can definitely pay off.”Kellie Steed, Mortgage Content Writer
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YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.
The FCA does not regulate mortgages on commercial or investment buy-to-let properties.
Uswitch makes introductions to Mojo Mortgages to provide mortgage solutions. Uswitch and Mojo Mortgages are part of the same group of companies. Uswitch Limited is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 312850. You can check this on the Financial Services Register by visiting the FCA website. Uswitch Limited is registered in England and Wales (Company No 03612689) The Cooperage, 5 Copper Row, London SE1 2LH. Mojo Mortgages is a trading style of Life's Great Limited which is registered in England and Wales (06246376). Mojo are authorised and regulated by the Financial Conduct Authority and are on the Financial Services Register (478215) Mojo’s registered office is The Cooperage, 5 Copper Row, London, SE1 2LH. To contact Mojo by phone, please call 0333 123 0012.