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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 122 reviews from review us onLucy 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.Shahid L. ★★★★★ This company has been truly amazing in constantly giving me the support and help i need for my mortgage and for their continuous work ethic guiding customers like myself and educating them into making the best possible decisions. My special mention goes to Phil Greenwood who deserves every single credit for his brilliant work and communication skills. The more I got to work with Phil, the more he gained my respect as he is a hugely likeable man and possibly the best mortgage advisor yet. Even after I finished my time with Ascot Mortgages, I will never lose my trust in the company and I hope they exceed their business and gain even more success and popularity.Best wishes,Shahid Latif and familyPretty L. ★★★★★ Phil helped me renew my mortgage. He was great at keeping me updated with any rate changes and secured a lower rate than at the time my mortgage went through. Thank you Ascot for your supportNikki E. ★★★★★ Huge thanks to Richard Johnson for sorting out all of my insurance policies! I had accumulated a variety of life cover and various other policies over the years that all needed a good review and refresh. Richard was extremely patient and helped me to remove the duplication and choose the best cover to suit our current needs. I have used Ascot Mortgages for over 12 years and have met several members of the team, always finding the right help and support to work through what can be a complicated and stressful time. Thanks again, Richard!Aamir R. ★★★★★ As first time buyers we had very little understanding of how to go about applying for a mortgage. Phil was so helpful in cutting through all of the formalities and helping us to decide which mortgage would be best for us also ensured we collated all the details needed and kept us up to date on progress. The process of finding the right house was very stressful but the process of choosing and applying for the mortgage and life cover has been so straight forward that, at times, we were worried it was all a bit too smooth! Thank you for guiding us through this so professionally and with real understanding and personality.Andrew T. ★★★★★ Working with Richard at Ascot has been a great experience. He listened to us and was very professional throughout. This was our first experience with Richard but we've been using Ascot now for 6-7 years. Thank you all at AscotAngie B. ★★★★★ Always give a great service and find you a mortgage in a timely fashion.Alison is awesomeAndrew M. ★★★★★ We have used Ascot Mortgages for over 5 years now and have had excellent service throughout, primarily with Alison and Kevin. Our latest dealings have been with Richard Johnson who although new to us (and to Ascot I believe) has once again provided the 5 star level of service we have come to expect. His product knowledge is excellent offering a range of options supported with consistent communication and updates, always available on the phone or on email every step of the way.Ali H ★★★★★ Excellent service, a big thanks to Natalia Barry for her excellent support with my buy to let mortgage application, Natalia was professional, transparent, and kept me informed during all the process, and thanks to Jason jones for his assistance and support.david R. ★★★★★ I have dealt with Ascot for many years now and will always go back, recently had all my insurances re done by Richard Johnston at the firm, excellent service, communication and swift actions by Richard. Great deals on all three insurances and would recommend anybody to go to Richard for help. Thanks Richard 👍Eve Alexandra C. ★★★★★ We used Ascot Mortgages to purchase a home as first time buyers, Ellie assisted us with this and went above and beyond to ensure everything went smoothly, all questions were answered, and any queries were solved.As first time buyers, myself and my partner were quite nervous and clueless as to what to expect when getting a mortgage and what not, and Ellie made this so simple and explained everything in a way that we thoroughly understood what was happening with our house buying journey, without it being pure jargon.I can't thank Ellie enough, she truly has been a star during the whole experience and is an asset to Ascot Mortgages.She is someone who I would definitely recommend to friends and family if the opportunity arises, and has made this whole experience a very stress free and exciting one!Thank you for everything Ellie!Emma W. ★★★★★ Alison helped me to get the right mortgage for my current situation and was very supportivehelen L. ★★★★★ Phil Greenwood dealt with my recent remortgage, he made sure I had the best product to fit our HMO criteria. Then chased solicitors for me and made sure I completed around the date I wanted to avoid my ridiculous rate I was about to be switched to. Thanks Phil, great job! Ready for my next mortgage now so I will be coming back 🙂Mark C ★★★★★ Excellent service from an excellent representative. Very professional and helpful company. Thank you for all your helpDamian L. ★★★★★ I recently purchased a buy-to-let from Auction and Ascot Mortgages, in tandem with Ascot Bridging Finance, supported me through the whole process. Once the property purchase via a bridging loan was complete, Ascot Mortgages worked out the best options for me, despite the Banks rising interest rates and spiralling UK inflation and managed to secure me a competitive mortgage rate for that property. I wouldn't hesitate in going back to Ascot Mortgages in the future and look forward to working with them again in the near future. Thank you for everything you've doneJuliet B. ★★★★★ Thank you to Alison for helping us and sorting out our mortgage. Swift, reliable and very helpful. Very much appreciated. God bless you abundantly 👍👌🤝gareth P. ★★★★★ Been with Alison and team for more than 25 years. Needless to say, very happy...Jo T. ★★★★★ We have been using Ascot Mortgages for the last few years and they have done 11 buy to let products for us.We have found Alison, Phil, Jason, Jardelle and the team to be excellent at finding the best product for us and to work at pace when we are buying from auction and have a deadline to meet.Communication is very good and nothing is too much troubleBen H. ★★★★★ I can't recommend Ascot Mortgages highly enough.We have used them for all of our Mortgages . They are professional and friendly and have walked us through all our options, they always have the time to talk to you and go the extra mile to get you the best deal. It wont be long till I'm calling on their services again, I wouldn't go anywhere else.If you want a mortgage, there's only one place to go!Dog J. ★★★★★ Ascot went the extra mile to help me acquire a mortgage. With the help of Jason and Ellie I was able to get a competitive rate after 3 other firms had told me they couldn't help me. Great levels of communication throughout, I would highly recommend!Ursula B. ★★★★★ Alison was very friendly and professional in securing the right bridging for us and at a very competative price. This ensured that we were able to place an immediate offer and not miss out on our forever home. Later her help and support in finally getting our completion over the line was nothing short of a miracle. I would strongly recommend both Alison and the team at Ascot Mortgages.primrose C. ★★★★★ ALISON IS BY FAR THE BEST IN THE GAME. ALL WE CAN SAY IS THANK YOU SO MUCH. They are passionate on customer service, even in my frustrated time Alison, Jadelle, Ellie I could name them all. May the good LORD BLESS YOU.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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