Habito logo

Log in

Get a quote
Mortgages with Habito

Compare 75% LTV mortgage rates & repayments

See the best rates out there for 75% LTV mortgages. This tool will show you the top rates, but can't tell you if you're eligible for them - our experts can check that for you later and make sure you have a 25% deposit or 25% in equity.

Calculate

Enter your details

What's the mortgage for?

Buy a property: find your first mortgage, or an additional mortgage for another property.

Remortgage: see if you can get a better rate, or borrow more, on a mortgage you already have.

Property value

The total price of the property, including the deposit amount. If you're not sure, an estimate is fine - you can always check back here again when you've found a place

£

Your Loan to Value (LTV) would be 80% with a deposit of £40,000.

Your loan to value (LTV) is the size of your mortgage as a percent of the total property value. So if you've paid off £100,000 of a house worth £200,000, your LTV is 50%. Usually, the lower your LTV, the lower interest rates you can get.

Initial period (years)

For the first few years of your mortgage, you'll get a lower than standard interest rate. Think of it like an introductory offer from your lender. You can set how long this lasts here.

Mortgage term

The total length of your loan - how many years you'll take to pay back your mortgage.

years
Searching 20,000+ mortgages...

What is 75% LTV?

LTV means loan-to-value – it’s the size of your mortgage as a percent of the total property value. In other words, how much of the value of the property that you’re borrowing. A 75% LTV mortgage is 75% loan, 25% deposit or equity.

Say you want to buy a property worth £250,000. A 75% LTV would mean you have a deposit (or equity) of £62,500, so the amount you’re borrowing is £187,500.

How is a 75% LTV mortgage calculated?

LTV is calculated as a percentage – how much you’re looking to borrow versus the value of the property you’re purchasing or remortgaging.

If you know how much you’ll need to borrow, just divide the mortgage amount by the value of the property. To use the same example, £250,000 ÷ £187,500 = 0.75 – multiply that by 100 and you get 75% LTV.

If you know how much deposit you have but don’t have a property in mind yet, multiplying your deposit amount by 4 will let you see what you could buy at 75% LTV.

Is 75% LTV a good ratio?

LTV is important to think about because it determines the mortgage rate, and affects how lenders calculate whether the mortgage is affordable for you. The lower your LTV, the lower the rates, and the more mortgage options you’ll have.

A 75% LTV mortgage is at the lower middle end of the typical range – usually, lenders offer LTVs between 50% and 95%. With a 75% LTV, lenders are taking on less of a risk, so you’ll have a wide range of options to choose from, with better deals and a lower true cost than you would with higher LTVs.

Habito is the largest, most-trusted online mortage broker in the UK

We’ve helped over 180,000 people on the way to financing their home. Our powerful algorithm sorts through 20,000 mortgages from more than 90 lenders to find the perfect one for you. We combine this with top-tier mortgage expertise to deliver the most personalised, fast and convenient way to get a mortgage today.

Get expert advice

Rated Excellent by 3,000+ customer reviews


FCA authorised

Completely free

Trusted by over 180,000

No surprise credit checks