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Why Choose Ascot Mortgages

0 %
5-star reviews on Google
years we have been as independent mortgage and protection brokers
0 %
customer satisfaction for finding the best deals on the UK market
£ 0
total donated to various charities

Why Choose Ascot Mortgages

0 %
5-star reviews on Google
£ 0
total donated to various charities
years we have been as independent mortgage and protection brokers
0 %
customer satisfaction for finding the best deals on the UK market

Ascot Mortgages provides advice on a wide variety of mortgage products. Each has its own set of features, advantages, and disadvantages. One of the most attractive options available to borrowers is the 50% LTV mortgage. This guide will delve deep into the intricacies of what a 50% mortgage is, how it works, and the various factors you should consider.

What Our Clients Say About Us

5.0 Based on 141 reviews from review us onAshley Cox 1. ★★★★★ Would 100% recommend. Myself and my partner are currently going through the mortgage process as first time buyers. Natalia Barry has dealt with our application from day one. She has always been on hand to help, informative throughout and reliable when we have had questions. She has given us several options and broken them down into simple terms to help us. Natalia has truly been exceptional who deserves every bit of credit. We certainly got lucky having her as our first mortgage consultant.Dominik S. ★★★★★ Alison and the Ascot Team are excellent. I have used them for 5 years now and they deliver the most competitive mortgage deals fast. Just what I need. Thank you!Eric T. ★★★★★ We have dealt with Ascot Mortgages twice. Once for a mortgage about eleven years ago and recently for life insurance.In both cases we were treated with the utmost respect and professionalism.In the case of the life insurance application, we considered ourselves to be problem customers because of our age and numerous health issues.Richard Johnson, who managed this application couldn't have been more helpful.He worked in our best interest and was dedicated to providing an excellent service.We were kept up to date through all of the stages of the application and when our doctors were very slow in producing medical reports for the insurance company he persisted where others might have given up.The service we had from Richard was pleasant and professional throughout some difficult stages.My wife and I have no hesitation in recommending Ascot Mortgages.Zack R. ★★★★★ Having dealt with Ascot Mortgages and Alison for many years now I can say that you wont find a more professional, knowledgeable and efficient company to help with your mortgage. Alison is patient and makes the whole process seem easy. She has the answer to any question you have and seems to genuinely care. I can not recommend enough. I am sure I will be using Ascot Mortgages for years to come.Umair Z. ★★★★★ It has been a fantastic experience to work with both Phil and Jardelle at Ascot Mortgages to secure a mortgage product for my first home. Phil made the mortgage process smooth and easy. They are professionals and know what they are doing. Very pleased with the service and communication. would highly recommend them.Hello at NLP West M. ★★★★★ I needed a buy to let re-mortgage. Ascot were efficient from start to finish. I can recommend them completely especially because they can search the whole spectrum of mortgage lenders and meet the clients needs. never waiting for staff to get back and always kept me in the loop.Onohomen O. ★★★★★ ZHOU J. ★★★★★ It has been a brilliant experience to work with both Phil and Jardelle at Ascot Mortgages to secure a great mortgage product for our next home. Given how challenging the current market is, they have done a fantastic job to meet our needs with their expertise, professionalism and effectiveness. We would highly recommend their services to whom seeks help with their property purchase.Nicholas S. ★★★★★ Fantastic service. Ellie and Jardelle were always quick to reply to any queries and very helpful throughout the process. Highly recommend!Stacey S. ★★★★★ Jason was brilliant to work with! Always on top of the transaction! Would highly recommend 👍Scott ★★★★★ Although I've not bought anything yet, they (Jason in particular) have been super helpful in my search for the right mortgage deal, whilst also giving an honest opinion during these difficult times. Would highly recommend.Sandra I. ★★★★★ Fantastic from start to finish! Natalia and Jason found me the best rate for my remortgage and they were extremely efficient! Best service I’ve ever received from a brokerage company. Thanks so much.Virmantas N. ★★★★★ Amazing service and great communication. Ellie Morgan had quickly completed all requests and over delivered all expectations.Highly recommended for those who want to get the stuff done without any delays!David W. ★★★★★ I have used ascot for 3 renewals since they done helped me with my purchase which was complicated and will continue to use them going forward. Very fair prices and very helpful and knowledgeable even with just general information.Adam B. ★★★★★ Natalia made life very easy for us when remortgaging. Third time using ascot always a breezeTaff G. ★★★★★ Ascot Mortgages have been brilliant. Easy to work with and incredibly helpful. I am always happy to recommend them. Natalia and Jason have made the whole process much easier than I was expecting. Excellent service.Daryl L. ★★★★★ We've had a fantastic experience with Natalia Barry and Jason Jones at Ascot Mortgages for our property purchases and refinancing. Their expertise, coupled with genuine care and understanding of our needs, made the process smooth and stress-free.They were consistently communicative, keeping us informed at every step. Their assistance in consolidating our protection cover was invaluable, simplifying what could have been a complex process.What set them apart was their personal touch – always polite and ready to pick up the phone for a chat. This level of personal engagement is rare and much appreciated.In short, Natalia and Jason are not just skilled professionals but also truly dedicated to their clients. We highly recommend their services to anyone in need of mortgage advice.Sarah A. ★★★★★ I have used this firm for several years and they have always been super helpful and supportive, attentive and resolved issues in really useful ways. Shout out to Alison, Ellie and Jardelle (and the team!)Georgia W. ★★★★★ We worked with Ellie to secure our mortgage and protection, and she was a dream! Being a first time buyer, I was quite clueless about the process, and in a time where mortgage rates have been quite high, she worked right til the end to make sure we were getting our mortgage at the best possible rate and was always available to answer all questions I had. Can't recommend enough 🙂Richard D. ★★★★★ Laura S. ★★★★★ As a first time buyer, trying to navigate through potential mortgages was a very daunting thought. Ascot Mortgages were recommended to me and I've been extremely happy with the service provided. They have guided me through every step and I finally have a mortgage. Very pleased and would recommend.Lucy B. ★★★★★ Having Phil as my mortgage advisor was great from the very start! He is down to earth and speaking to him was always a pleasure. The kindness, compassion and support I have been given all the way through what can be a stressful process was immeasurable. Phil and Jardelle worked as a solid team and was able to make me feel at ease all the way through buying my first home. The team were always available and the communication between everyone was always clear and I felt safe in the hands of the company as a whole. Thank you for helping me buy my first home!Flora R. ★★★★★ I worked with Richard (Protection Adviser) for a couple of days to sort out life and critical illness insurance. Absolutely brilliant, he found me and my husband the perfect policy. Very knowledgeable and easy to get on, he definetely makes things easy to understand. Thank you for the great service provided.Matthew R. ★★★★★ I've dealt with Phil at Ascot Mortgages for a while now and Phil always comes back back to me with the right plan.Keep the good work up!rafal W. ★★★★★ I would thoroughly recommend Phil Greenwood at Ascot Mortgages ltd to anyone looking to seek advice on purchasing a home.Phil was absolutely fantastic. He made the process very smooth and easy and was always there to answer any questions I had.js_loader

Written by:

Alison Gibson

Ascot Mortgage Expert

Last Updated:


Written by:

Alison Gibson

Ascot Mortgage Expert

Last Updated:


What is a 50% mortgage?

An LTV or Loan-to-Value ratio is a financial term used by lenders to express the ratio of a loan to the value of an asset purchased. In simpler terms, the LTV measures the amount of money you are borrowing against the value of the property you plan to buy. A 50% LTV mortgage means that you are borrowing 50% of the property’s value and putting down a 50% deposit yourself. 

For example, if you’re purchasing a property worth £400,000, a 50% LTV mortgage would require you to:

  • Deposit: Pay a deposit of £200,000 (50% of the property value)
  • Loan: Borrow the remaining £200,000 (50% of the property value) from a lender

Mortgage Repayment Calculator

How do 50% mortgages work?

Getting a 50% mortgage is akin to a standard mortgage arrangement, but with some particular nuances.

  1. Application: Initially, you would apply to a lender, offering detailed financial statements, credit history, and the details of the property you intend to buy. 
  2. Approval: If your application is successful, the lender will typically offer you a mortgage in principle, which gives you an idea of how much you can borrow.
  3. Property Valuation: Before finalising the deal, a property valuation will be done to confirm the property’s market value.
  4. Final Offer: After the valuation, the lender will give you the final mortgage offer.
  5. Repayment: You then start making monthly repayments, which will include both the loan amount and the interest accrued.

Interest Rates

Fixed-Rate: The interest rate stays the same for a set period, typically 2 to 5 years.

Tracker Rate:  The interest rate tracks a particular index, typically the Bank of England Base Rate, which means the rate payable can fluctuate

– Variable-Rate: This is the lender’s standard variable rate which could be subject to change and is sometimes promoted with a discount off their standard variable rate..

Repayment Options

Capital and Interest: You pay back a portion of the loan as well as the interest each month.

Interest-Only: You only pay the interest on the loan each month, with the capital amount to be repaid at the end of the mortgage term.

Eligibility for a 50% LTV mortgage

Lenders will look at several factors to determine your eligibility for a 50% LTV mortgage:

  • Credit Score: A high credit score is beneficial but not always necessary.
  • Income: Lenders will assess your income to gauge your ability to make repayments.
  • Debt-to-Income Ratio: The proportion of your income that goes into servicing debts should be reasonable.
  • Deposit: You must have at least a 50% deposit of the property’s value.
  • Property Type: The kind of property you want to buy can also impact eligibility.

Fees for 50% mortgages

When it comes to fees, a 50% mortgage is not exempt from the standard costs involved in mortgage arrangements.

Arrangement Fee: To secure a particular product

Booking Fee: Some lenders charge this upfront when you apply.

Valuation Fee: To cover the cost of valuing the property.

Early Repayment Charge: If you pay off the mortgage earlier than the terms agreed.

It’s important to compare not just the interest rates but also the various fees to find the best deal.

Alison Gibson

Ascot Mortgage Expert


Remortgaging is applied when you keep

living in your present property while applying for another mortgage deal with a new lender. Before finding out how to remortgage and get the best offers from experts like Ascot Mortgages, you have to check meeting what parameters of the deal that can help you succeed the most. The range of background factors varies a lot — from the recently changed loan-to-value ratio or your existing agreement coming to an end.

Whether you are trying to get a more beneficial deal or searching for funding to improve your home conditions, remortgaging is one of the most advantageous scenarios to consider.

Advantages of 50% LTV mortgages

Having a 50% LTV mortgage can offer several benefits:

  • Lower Interest Rates: Lenders see lower LTV mortgages as less risky, so they often offer lower interest rates.
  • Flexibility: Having a large deposit and lower loan amount gives you more room for financial manoeuvring.
  • Easier Approval: A large deposit makes you a more attractive borrower, leading to quicker and easier approval.
  • Diverse Range of Offers: With a 50% deposit, you can access a broader range of mortgage offers.
  • Less Total Repayment: Over time, you end up paying less back to the lender because of lower interest rates.

Disadvantages of 50% LTV mortgages

However, this type of mortgage also has its drawbacks:

  • Lack of Liquidity: You’ll need to pay a large deposit upfront, which could impact your liquidity.
  • Opportunity Cost: The money used for a 50% deposit could potentially earn more if invested differently.
  • Market Risk: If property values decrease, a large deposit won’t safeguard you against negative equity.

In conclusion, a 50% LTV mortgage can be a very wise financial move if you have the means to afford the substantial upfront deposit. Lower interest rates, a broader choice of mortgage products, and easier approval are just some of the benefits. However, like any financial commitment, it is advisable to consult with Ascot Mortgages experts to thoroughly assess your specific needs and circumstances.

Always remember, the best deal isn’t just about the lowest interest rate; it’s about the complete package — rate, fees, lender reputation, and your financial stability. Happy home buying!

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The loan-to-value (LTV) ratio is calculated by dividing the amount of the mortgage by the value of the property, then multiplying by 100 to get a percentage. For instance, if you’re borrowing £150,000 on a property worth £300,000, the LTV would be 50%. It essentially represents the proportion of the property’s value that is mortgaged, with the rest being your equity.

A 50% LTV mortgage typically offers one of the lowest interest rates available. The reason is that lower LTVs represent a reduced risk for lenders. With 50% equity in the property, there’s a significant buffer against potential property value fluctuations. As a result, lenders are often more willing to offer competitive rates to borrowers with a 50% LTV.

The maximum loan amount for a 50% LTV mortgage will depend on the property’s value. Since the LTV is 50%, the loan amount will be half the property’s value or purchase price. For example, for a property valued at £600,000, the maximum loan at 50% LTV would be £300,000. However, other lending criteria, such as your age, income and credit score, will also influence the amount you can borrow.

Yes, it is possible to increase the loan amount after securing a 50% LTV mortgage (usually after a 6 month qualifying period), depending on several factors. This is often referred to as additional borrowing or a further advance. However, the new LTV will depend on the additional amount borrowed, the property’s current value, and the remaining amount on the initial mortgage. You’d need to meet the lender’s criteria, and the new LTV will affect the interest rates offered. It’s advisable to speak with a mortgage advisor to discuss your specific needs and circumstances.

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