75% 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

Navigating the complex world of mortgages can be quite challenging. Whether you’re a first-time buyer, looking to remortgage, or simply seeking a better deal, understanding LTV, or Loan-to-Value ratio, is crucial. We’ll delve into the nitty-gritty of 75% LTV mortgages to help you make an informed decision.

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 75% LTV mortgage?

A 75% LTV mortgage refers to a mortgage loan where you borrow 75% of the property’s value and put down a 25% deposit. In other words, the Loan-to-Value (LTV) ratio in this scenario is 75%. 

For example:

– Property value: £300,000

– 25% Deposit: £75,000

– 75% Mortgage: £225,000

This type of mortgage is quite common in the UK and offers a balance between competitive interest rates and deposit requirements.

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How do 75% LTV mortgages work?

The Basic Mechanics

  1. Determine Property Value: The first step is to determine the property’s value you intend to buy.
  2. Calculate 25% Deposit: You will need a 25% deposit based on the property’s value.
  3. Apply for Mortgage: Once you know your deposit amount, you can apply for a 75% mortgage to cover the remaining property cost.
  4. Rate & Repayment: The lender will offer you a rate and repayment terms based on your credit history, income, and other factors.
  5. Finalise Deal: Once you agree to the terms, the deal is finalised, and the mortgage process commences.

Types of Repayments

– Repayment Mortgage: You pay both the interest and principal amount monthly.

– Interest-Only Mortgage: You only pay the interest monthly, and the principal is paid at the end of the loan term.

Why get a 75% LTV mortgage?

Competitive Interest Rates

One of the best reasons to go for a 75% LTV mortgage is that lenders generally offer more competitive interest rates compared to higher LTV ratios. This can save you a substantial amount of money over the loan term.

Lower Monthly Repayments

The more you pay upfront as a deposit, the less you’ll have to borrow. This usually translates to lower monthly repayments.

Easier Approval

A 75% mortgage can also make it easier to get approved for a loan, as it represents lower risk for lenders.

Greater Range of Lenders

This LTV ratio typically attracts a wider range of lenders, giving you better options to choose from.

What types of 75% LTV mortgage rates could I get?

Fixed Rate

With a fixed-rate mortgage, your interest rate remains the same for a predetermined period, usually between 2 to 5 years.

Variable Rate

The rate changes according to your lender’s standard variable rate (SVR), or it might be tied to the Bank of England’s base rate.

Tracker Rate

This is a type of variable rate mortgage where the interest rate tracks a specific index typically the Bank of England’s base rate.

Discount Rate

This offer gives you a discount on the lender’s standard variable rate (SVR) for a set period, usually 2 to 5  years.

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 75% LTV mortgages

Financial Benefits

  • Lower Interest Rates: One of the best 75% LTV mortgages advantages is the prospect of lower interest rates.
  • Cost Savings: Lower interest rates mean you’ll save money over the life of the loan.


  • Overpayments: Some deals may allow you to make overpayments without incurring a penalty – generally 10% of the mortgage balance.
  • Loan Portability: Easier to switch properties and transfer your existing mortgage.

Risk Mitigation

  • Less Risk for Lender: Lower risk often translates into faster approvals and fewer hurdles.
  • Equity Buffer: You start off with a 25% equity in the property, offering a cushion if property prices fall.

Disadvantages of 75% LTV mortgages

Initial Costs

  • High Deposit Requirements: Accumulating a 25% deposit is not easy and requires substantial upfront money.

Opportunity Cost

  • Locked-in Capital: The money paid as a deposit could have been invested elsewhere for potentially higher returns.

Market Fluctuations

  • Interest Rate Risk: Unless you lock in a fixed rate, you are exposed to fluctuations in interest rates.

Fees and Charges

  • Application Fee: Most lenders charge an application fee.
  • Early Repayment Fee: If you decide to pay off the loan early, you may be charged a fee.

Navigating the mortgage landscape requires expert advice. It’s crucial to weigh the pros and cons of a 75% LTV mortgage to determine if it’s the right fit for your financial situation. From rates to repayments, understanding the terms is vital to securing the best mortgage deal for you. Feel free to reach out to Ascot Mortgages; we’re always here to help!


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A 75% LTV mortgage is versatile and can be used to finance a range of properties. This typically includes:

– Primary Residences: Your main home where you live.
– Second Homes: Additional properties used for holidays or other personal purposes.
– Buy-to-Let: Investment properties that you intend to rent out.
– New Builds: Newly constructed properties.
– Always check with the specific lender about any property type restrictions they might have, especially for unique properties like listed buildings or those with non-standard constructions.

The maximum loan amount for a 75% LTV mortgage depends on the total value of the property you’re looking to purchase. As the name suggests, a 75% LTV means you’re borrowing 75% of the property’s value. For instance, for a property valued at £400,000, the maximum loan at 75% LTV would be £300,000. However, other factors, such as your income, outgoings, and creditworthiness, will also influence the exact amount you can borrow.

Yes, many lenders allow overpayments on a 75% LTV mortgage. However, it’s important to note that there might be early repayment charges (ERCs) if you choose to repay a significant portion or the entirety of the mortgage before the end of any fixed or discounted period. The specifics of these charges will be outlined in your mortgage agreement. It’s always wise to consult your mortgage terms or speak with your lender before making early repayments.

Certainly! If you have a 75% LTV mortgage, you can consider switching lenders or refinancing, especially if you’re looking to secure a better interest rate or change the terms of your mortgage. This is commonly known as remortgaging. Before making a switch, ensure you’re aware of any fees or early repayment charges with your current lender. Working with a mortgage advisor can provide a clearer understanding of potential benefits and costs associated with refinancing.

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