90% Mortgages

  • 90% mortgages are designed for people who only have funds for a 10% deposit on their property purchase.
  • Compare the latest interest rates, fees and other important features of low deposit mortgages in the table below.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Our mortgage comparison service lists products from featured lenders with whom we have a direct commercial arrangement with. The mortgage data above was supplied by Moneyfacts Ltd and is updated at the time of mortgage search. The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

It can be tough for first time buyers to get themselves on the housing ladder. While you're often at the start of your career and finding your feet on the pay scale, there are so many costs you have to face when you want to buy a home. On top of all of the house surveying costs, stamp duty and mortgage arrangement fees - not to mention the money involved in kitting your new home out with a furniture - you also need to find a deposit. With the majority of deals out there demanding that you pay anywhere from 20 to 40 percent of the total value of your house upfront, this can be crippling. Luckily, many home loan providers have begun to offer mortgages with a high loan-to-value ratio (or 'LTV') to give fresh faced prospective property owners a chance to make it happen. Now, it is common to find a deal with a 90 percent LTV, meaning you only have to put in 10 percent as a deposit. Since you need to borrow more, you might find that the banks offer you an interest rate that is higher than the rest of the market, since they see you as a higher chance of defaulting. However, if it quite literally gets your foot in the door, this is a price you may be prepared to pay. Please use our whole of market mortgage comparison to compare all the top brands including RBS Mortgages, NatWest Mortgages, HSBC Mortgages, Santander Mortgages, Yorkshire Building Society Mortgages, Chelsea Building Society Mortgages and The Post Office Mortgages to name a few. Click here to read our handy guide covering frequently asked questions about mortgages.

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