70% LTV Mortgage

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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

When you’re in the market for a 70% LTV mortgage, it’s crucial to partner with an expert who can guide you through the labyrinth of lenders, interest rates, fees, and repayment options. That’s where Ascot Mortgages comes in.

With years of experience in providing personalised mortgage advice, we at Ascot Mortgages are committed to helping you find the best 70 LTV mortgages to suit your individual needs. From the initial application to the moment you get the keys to your new property, we’ll be with you every step of the way, offering our expert advice to ensure you make the most informed choices.

What Our Clients Say About Us

5.0 Based on 142 reviews from review us onAreti D. ★★★★★ Absolutely thrilled with the exceptional service provided by Ascot Mortgages Ltd and especially by Natalia Barry! Even though our home purchase hasn't been completed yet, we couldn't wait to share our positive experience. From the moment we reached out, their professionalism and expertise shone through, making the daunting process of securing a mortgage a breeze.Not only did Natalia navigate the intricacies of the mortgage market with finesse, but they went above and beyond by suggesting other high-quality services, including solicitors and insurance providers. This comprehensive approach is making the entire home-buying journey seamless and stress-free.Natalia took the time to understand our unique needs and financial situation, ensuring that the options presented were tailored perfectly.Communication is prompt and clear throughout, leaving us feeling informed and confident at every stage. Natalia had our best interests at heart, going the extra mile to secure a fantastic mortgage deal.We cannot recommend Ascot Mortgages and Natalia highly enough. If you're in need of mortgage assistance, look no further. With their expertise and dedication to client satisfaction, you're in the best hands possible. A huge thank you to Natalia for making our home-buying experience a dream come true!Ashley 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!js_loader

Written by:

Alison Gibson

Ascot Mortgage Expert

Last Updated:


Written by:

Alison Gibson

Ascot Mortgage Expert

Last Updated:


What is a 70% LTV Mortgage?

A 70% LTV mortgage means that you’ll be borrowing 70% of the property’s value, while putting down a 30% deposit. Here’s a simple breakdown:

  • Loan-to-Value (LTV): This is the percentage of the property’s value that you’ll be borrowing. In this case, it’s 70%.
  • Deposit: The remaining 30% that you’ll be paying upfront.
  • Property Value: The total value of the property you’re looking to buy.

So, for a £300,000 property:

– 70% LTV loan = £210,000

– 30% deposit = £90,000

Mortgage Repayment Calculator

How do 70% LTV Mortgages Work?

The dynamics of a 70% LTV mortgage are straightforward but involve a few steps:


  1. Applying: Once you decide on a lender, you apply for a mortgage where you’ll borrow 70% of the property’s value.
  2. Approval: The lender assesses your application, including credit checks, to decide if you’re eligible.
  3. Loan Agreement: Upon approval, the lender will issue a loan agreement detailing the terms, repayment schedule, interest rate, and any fees involved.


  1. Monthly Payments: Every month, you’ll need to make payments that consist of both principal and interest.   
  2. Interest Rates: Depending on the deal you’ve chosen, you may have a fixed, variable, or tracker rate. 
  3. Duration: The length of your mortgage term will affect how much you pay monthly.

Property Ownership

  1. Immediate Ownership: Even though the mortgage isn’t fully paid, you become the property owner once the deal is closed.
  2. Full Ownership: You’ll own the property outright after the loan is entirely paid off.

Why Get a 70% LTV Mortgage?

Here are some compelling reasons why you might opt for a 70% LTV mortgage:

  • Lower Interest Rates: Generally, the lower the LTV, the lower the interest rates offered by lenders. 
  • Easier Approval: A 30% deposit mortgage is a strong indicator to lenders of your financial stability.
  • Flexibility: This LTV allows for a balanced loan amount that offers room for negotiating terms.  
  • Better Deals: With a larger deposit, you often have access to the best 70% LTV mortgages available.
  • Equity: You immediately own a larger portion of your property, giving you more money in your pocket if you decide to sell.

What Types of 70% LTV Mortgage Rates Could I Get?

There are various types of interest rates available with 70% LTV mortgages:

  1. Fixed-Rate: Your interest remains constant for a specified period, offering predictable payments.
  2. Tracker Rate: This follows a particular index, typically the Bank of England base rate, plus a set margin.
  3. Discounted Rate: A reduction on the lender’s standard variable rate for a specific time.
  4. Capped Rate: Your rate won’t go above a certain level, but can vary below that cap.
  5. Standard Variable Rate (SVR): The lender’s default rate that you’ll likely move to after any introductory deal ends.
  6. Standard Variable Rate (SVR): The lender’s default rate that you’ll likely move to after any introductory deal ends.

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 70% LTV Mortgages

Financial Benefits

  • Lower Monthly Repayments: Due to lower interest rates.
  • Access to Better Deals: The best 70% LTV mortgages usually offer more favourable terms. 
  • Room for Additional Borrowing: Potential for a second mortgage or loan based on the equity you build.

Personal Benefits

  • Financial Stability: A 30% deposit mortgage reduces the risk of negative equity.  
  • Freedom: Greater flexibility in choosing properties and negotiating terms.  
  • Peace of Mind: Lower risk and predictable repayments offer greater peace of mind.

Disadvantages of 70% LTV Mortgages

  • High Initial Deposit: A 30% deposit mortgage can be difficult to save for.  
  • Reduced Liquidity: A substantial amount of your money is tied up in property.
  • Missed Investment Opportunities: Your large deposit could potentially be invested elsewhere for a better return.
  • Market Risks: Although less likely, a 70% LTV does not completely insulate you from negative market trends.

Making an informed choice when it comes to a 70% LTV mortgage will involve considering your unique circumstances and consulting with an expert like Ascot Mortgages. Always consider the rate, fees, and other terms in the offer. Take your time, compare lenders, and you’ll find the best 70 LTV mortgages tailored for you. Feel free to reach out to Ascot Mortgages; we’re always here to help!

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Absolutely! A 70% LTV mortgage can be utilised for remortgaging or refinancing purposes. If you have built up at least 30% equity in your property, you can explore the option of remortgaging at this LTV to potentially secure a better interest rate or to release some equity from your home.

The repayment term for a 70% LTV mortgage typically varies based on the borrower’s age, preference and circumstances. In the UK, standard mortgage terms are generally between 25 to 35 years although with some lenders 40 years. However, shorter or longer terms might be available based on your financial situation, age, and the lender’s criteria. It’s always best to discuss your preferences with a mortgage advisor to find a term that aligns with your financial goals.

Yes, many lenders accept gifted funds as a deposit for a 70% LTV mortgage. However, there are often specific criteria to meet. The person gifting the funds (often a family member) may need to provide a written confirmation that the money is a gift and not a loan, meaning there’s no expectation for the money to be repaid. It’s essential to check with individual lenders about their policies and requirements related to gifted deposits.

The mortgage application process for a 70% LTV mortgage typically takes between 1 to 2 weeks from the initial application to receiving a formal mortgage offer and then between 8 – 12 weeks for legal completion. However, this can vary depending on the lender’s processing times, the complexity of the application, and how promptly you provide the necessary documentation. Working with a mortgage advisor can sometimes expediate the process and provide clarity on expected timeframes.

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