75% LTV Mortgage

Speak to an Expert Advisor


Let us Look Into The Best Rates

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 145 reviews from review us onElliot E. ★★★★★ Phil Greenwood was fantastic in assisting us in getting our BTL mortgage when several other mortgage brokers were not able to, given our particular circumstances and self employed status. From starting with an initial call right through to the finish, communication was excellent and we're absolutely thrilled. Thank you, Ascot Mortgages for such a professional service.vanessa G. ★★★★★ We had great experience with Natalia. She provided prompt and excellent service throughout our house purchase process.We highly recommend Natalia for mortgage adviseFlora 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.Debbie P. ★★★★★ Cannot speak highly enough of Ascot Mortgages who have helped me on my journey over the last seven years. They have made the dream property possible twice. Thank you to Alison, Jardelle and all the team. I am very grateful.Areti 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. ★★★★★ 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.

Mortgage Repayment Calculator

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!


Apply for a Mortgage

Get things moving, apply for a mortgage.

Call Now - 01925 711 558

Free unbiased mortgage advice is just a phone call away.


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.

Meet Our Team


Contact Us

*Privacy Notice - Any information provided will be treated with confidentiality and will only be accessible within Ascot Mortgages