In recent years, High Loan-to-Value (LTV) Mortgages have become an increasingly popular solution for homebuyers with smaller deposits, especially for First-Time Buyers and those looking to maximize their borrowing capacity. With LTVs of up to 95% or even 100% available from select lenders, these mortgages allow you to purchase a home with little to no deposit.
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While the higher the LTV, the higher the perceived risk for lenders—meaning stricter eligibility checks may apply—these options are still achievable for the right applicants. Understanding the criteria and available deals is crucial to making the most of this opportunity.
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What You Need to Know About High LTV Mortgages:
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95% to 100% LTV: This means you could borrow as much as 95% or even 100% of your property’s value, leaving you with little or no deposit to pay upfront.
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Stricter Eligibility: Due to the higher risk involved, lenders may apply more rigorous checks. This could include a more thorough review of your credit history, income, and employment status.
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Maximize Your Borrowing Capacity: High LTV mortgages are especially appealing for first-time buyers or those who may not have large savings for a deposit, allowing you to secure your home sooner rather than waiting years to save.
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Tailored Advice: With access to a wide range of mortgage deals, we’ll help you find the right option based on your personal circumstances, ensuring you get the most competitive rate and best terms available
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Book Your Free Consultation:
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If you're considering a High LTV mortgage, or simply want to explore your eligibility, we offer free consultations to help you understand your options and get you on the path to homeownership. Contact us today to see if you qualify and find the right mortgage for you.