90% mortgage & remortgage deals
Mortgages of 90% allow a borrower to get a mortgage approved with only 10% deposit, making it easier to get on the property ladder or move house.
In many cases, the lender will allow a gifted deposit of the deposit making the purchase even more affordable.
- Access to the whole mortgage market
- 1000's of mortgages searched to get you the best deal
- Best 90% mortgage rates in the UK
- Exclusive deals not available on the high street
- Dedicated, experienced & friendly advisors
Mortgages of 90% have been around for many years and practically every lender offers them in one form or another, however the mortgage deals themselves can differ greatly depending on the mortgage product itself.
For instance the will be a difference in the fees, whether they are up front or charged on completion, the lenders arrangement fees will alter also, and can also be differ from products offered by the same lender!
What 90% mortgage deals do we offer?
Our expert and dedicated brokers are able to offer practically every mortgage type available, from capital repayment to interest only, fixed rate, discounted, tracker and variable rate mortgages.
Once your dedicated broker has reviewed your financial circumstances, needs and budget they will be able to give you a written summary of the recommended mortgage along with a written suitability letter detailing why the mortgage recommended is the most suitable for you from the 1000's searched.
For your convenience, we have listed below the deposit required at 90% for property values from £80,000 to £400,000.
| Property Value | Mortgage borrowing at 90% LTV | Mortgage deposit at 90% LTV |
|---|---|---|
| £80,000 | £72,000 | £8,000 |
| £90,000 | £81,000 | £9,000 |
| £100,000 | £90,000 | £10,000 |
| £110,000 | £99,000 | £11,000 |
| £120,000 | £108,000 | £12,000 |
| £130,000 | £117,000 | £13,000 |
| £140,000 | £126,000 | £14,000 |
| £150,000 | £135,000 | £15,000 |
| £160,000 | £144,000 | £16,000 |
| £170,000 | £153,000 | £17,000 |
| £180,000 | £162,000 | £18,000 |
| £190,000 | £171,000 | £19,000 |
| £200,000 | £180,000 | £20,000 |
| £210,000 | £189,000 | £21,000 |
| £220,000 | £198,000 | £22,000 |
| £230,000 | £207,000 | £23,000 |
| £240,000 | £216,000 | £24,000 |
| £250,000 | £225,000 | £25,000 |
| £300,000 | £270,000 | £30,000 |
| £350,000 | £315,000 | £35,000 |
| £400,000 | £360,000 | £40,000 |
What fees will a 90% mortgage lender charge?
The fees attached to a mortgage of 90% LTV will be very similar to those of any other mortgage. The lender will charge an arrangement fee and valuation fee which is pretty standard - however the amounts the lender charge and at what point they become payable can vary greatly, some will charge a valuation fee up front and some may charge on completion, some may allow the arrangement fee to be added to the loan amount and other may not - some lenders don't have any arrangement fees at all! The redemption and tie in period will also differ from mortgage to mortgage - Knowing which is best for you is the job of your mortgage advisor.
Your dedicated mortgage advisor will be able to search 1000's of products, due to market leading technology and be able to put in writing the full cost of the mortgage most suitable for you, they will also give you a written suitability letter detailing why the recommended mortgage is best suited to your needs, requirements and budget!
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