90 Percent Mortgages

90% mortgages

		Mortgage Type Buy to Let: For landlords purchasing a property for letting. Discount: The interest rate rises and falls with the provider’s standard variable rate but is set at a lower discounted rate for certain period. Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years. Offset: Mortgage interest payments are offset against any savings you may hold. Tracker: The interest rate rises and falls with the Bank of England base rate. Variable: The interest rate rises and falls with the provider’s standard interest rate (SVR).	Initial Rate The introductory rate of interest that you will pay for a certain period of time depending on the mortgage type and term.	Initial Term The length of time that the initial interest rate applies to the mortgage.	Final Rate Also referred to as Subsequent Rate - the interest rate that your mortgage will revert to after any introductory rates have finished.	Cost For Comparison This is the mortgage’s Annual Percentage Rate (APR): the interest rate that you will be charged on your mortgage including all charges such as arrangement fees.	Loan to value The percentage of a property’s value for which the mortgage can be used. Example: 75% loan to value = 25% deposit.	Fee to Apply This is the fee that must be paid to the lender when you take out the mortgage. It can be applied to the loan or paid separately.
	Chelsea Building Society 2yr 3.59% Fixed LTV 90% Branch Only + More Details	Fixed	3.59%	31/07/2015	5.79%	5.50%	90%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 3.59% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	HSBC 2yr 3.64% Fixed LTV 90% Special Direct + More Details	Fixed	3.64%	31/08/2015	3.94%	4.00%	90%	£999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £400000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £400000 Shared Ownership yes Initial Rate 3.64% Initial Term 31/08/2015 Final Rate 3.94% Overall Cost for Comparison 4.00% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society Flexi 2yr 3.64% Fixed LTV 90% Branch + More Details	Fixed	3.64%	30/06/2015	4.99%	4.90%	90%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 3.64% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	HSBC 2yr 0.20% Discount LTV 90% Special Direct + More Details	Discount	3.74%	24	3.94%	4.10%	90%	£999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Shared Ownership yes Initial Rate 3.74% Initial Term 24 months Rate Discount Term 24 months Final Rate 3.94% Overall Cost for Comparison 4.10% Product Type Discount Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Chelsea Building Society Flexi 2yr 3.79% Fixed Offset LTV 90% Branch + More Details	Fixed	3.79%	31/07/2015	5.79%	5.60%	90%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 3.79% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.60% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 3.84% Fixed Offset LTV 90% Branch + More Details	Fixed	3.84%	30/06/2015	4.99%	4.90%	90%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 3.84% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Post Office Ltd 2yr 3.89% Fixed BBR LTV 90% + More Details	Fixed	3.89%	31/05/2015	4.49%	4.60%	90%	£1495	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 3.89% Initial Term 31/05/2015 Final Rate 4.49% Overall Cost for Comparison 4.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Chelsea Building Society 2yr 3.94% Fixed H/P C/B LTV 90% Branch Only + More Details	Fixed	3.94%	31/07/2015	5.79%	5.60%	90%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 3.94% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 2yr 3.94% Fixed R/M LTV 90% Branch Only + More Details	Fixed	3.94%	31/07/2015	5.79%	5.60%	90%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 3.94% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 2yr 3.99% Fixed FTB LTV 90% Branch only + More Details	Fixed	3.99%	31/07/2015	5.79%	5.60%	90%	£1475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: no Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers no Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 3.99% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 2yr 3.99% Fxd Offset FTB LTV 90% Branch only + More Details	Fixed	3.99%	31/07/2015	5.79%	5.60%	90%	£1475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: no Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers no Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 3.99% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.60% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 3.99% Fixed H/P C/B LTV 90% Branch + More Details	Fixed	3.99%	30/06/2015	4.99%	4.90%	90%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 3.99% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 3.99% Fixed R/M LTV 90% Branch + More Details	Fixed	3.99%	30/06/2015	4.99%	4.90%	90%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 3.99% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 3yr 4.14% Fixed LTV 90% Branch + More Details	Fixed	4.14%	31/07/2016	5.79%	5.50%	90%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.14% Initial Term 31/07/2016 Final Rate 5.79% Overall Cost for Comparison 5.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 2yr 4.14% Fixed Offset R/M LTV 90% Branch + More Details	Fixed	4.14%	31/07/2015	5.79%	5.60%	90%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.14% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.60% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 2yr 4.14% Fxd Offset H/P C/B LTV 90% Branch + More Details	Fixed	4.14%	31/07/2015	5.79%	5.60%	90%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.14% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.60% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	HSBC 2yr 4.19% Fixed LTV 90% Direct + More Details	Fixed	4.19%	31/08/2015	3.94%	4.10%	90%	£599	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £400000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £400000 Shared Ownership yes Initial Rate 4.19% Initial Term 31/08/2015 Final Rate 3.94% Overall Cost for Comparison 4.10% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC 2yr 4.19% Fixed LTV 90% Ex/C Advance Direct + More Details	Fixed	4.19%	31/08/2015	3.94%	4.10%	90%	£399	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £400000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £400000 Shared Ownership yes Initial Rate 4.19% Initial Term 31/08/2015 Final Rate 3.94% Overall Cost for Comparison 4.10% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC 2yr 4.19% Fixed LTV 90% Ex/C Premier Direct + More Details	Fixed	4.19%	31/08/2015	3.94%	4.10%	90%	£299	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £400000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £400000 Shared Ownership yes Initial Rate 4.19% Initial Term 31/08/2015 Final Rate 3.94% Overall Cost for Comparison 4.10% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society Flexi 2yr 4.19% Fixed FTB C/B LTV 90% Branch + More Details	Fixed	4.19%	30/06/2015	4.99%	5.00%	90%	£130	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: no Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers no Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.19% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 5.00% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 4.19% Fixed R/M Offset LTV 90% Branch + More Details	Fixed	4.19%	30/06/2015	4.99%	5.00%	90%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.19% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 5.00% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 4.19% Fxd H/P C/B Offset LTV 90% Branch + More Details	Fixed	4.19%	30/06/2015	4.99%	5.00%	90%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.19% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 5.00% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 2yr 4.24% Fixed FTB LTV 90% Branch only Low Fee + More Details	Fixed	4.24%	31/07/2015	5.79%	5.70%	90%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: no Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers no Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.24% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.70% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 2yr 4.24% Fxd Offset FTB LTV 90% Branch only + More Details	Fixed	4.24%	31/07/2015	5.79%	5.70%	90%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: no Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers no Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.24% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.70% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 3yr 4.24% Fixed LTV 90% Branch + More Details	Fixed	4.24%	30/06/2016	4.99%	4.90%	90%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.24% Initial Term 30/06/2016 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 5yr 4.34% Fixed LTV 90% Branch Only + More Details	Fixed	4.34%	31/07/2018	5.79%	5.30%	90%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.34% Initial Term 31/07/2018 Final Rate 5.79% Overall Cost for Comparison 5.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 3yr 4.34% Fixed Offset LTV 90% Branch + More Details	Fixed	4.34%	31/07/2016	5.79%	5.50%	90%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.34% Initial Term 31/07/2016 Final Rate 5.79% Overall Cost for Comparison 5.50% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 3yr 4.39% Fixed H/P C/B LTV 90% Direct + More Details	Fixed	4.39%	31/07/2016	5.79%	5.60%	90%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.39% Initial Term 31/07/2016 Final Rate 5.79% Overall Cost for Comparison 5.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 3yr 4.39% Fixed R/M LTV 90% Direct + More Details	Fixed	4.39%	31/07/2016	5.79%	5.60%	90%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.39% Initial Term 31/07/2016 Final Rate 5.79% Overall Cost for Comparison 5.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	HSBC 5yr 4.39% Fixed LTV 90% Special Direct + More Details	Fixed	4.39%	31/08/2018	3.94%	4.30%	90%	£999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £400000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £400000 Shared Ownership yes Initial Rate 4.39% Initial Term 31/08/2018 Final Rate 3.94% Overall Cost for Comparison 4.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society Flexi 2yr 4.39% Fxd FTB C/B Offset LTV 90% Branch + More Details	Fixed	4.39%	30/06/2015	4.99%	5.00%	90%	£130	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: no Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers no Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.39% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 5.00% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 5yr 4.39% Fixed LTV 90% Branch + More Details	Fixed	4.39%	30/06/2018	4.99%	4.90%	90%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.39% Initial Term 30/06/2018 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	HSBC Lifetime BBR+3.89% LTV 90% Fee Free Special Direct + More Details	Tracker	4.39%	term	n/a	4.60%	90%	£899	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Shared Ownership yes Initial Rate 4.39% Initial Term term Final Rate n/a Overall Cost for Comparison 4.60% Product Type Tracker Current Account/Offset no Early Repayment Charge no Application Fee Added to Loan na
	Yorkshire Building Society Flexi 3yr 4.44% Fxd Offset LTV 90% Branch + More Details	Fixed	4.44%	30/06/2016	4.99%	5.00%	90%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.44% Initial Term 30/06/2016 Final Rate 4.99% Overall Cost for Comparison 5.00% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	NatWest 2yr 4.49% Fxd FTB LTV 90% Direct No Fee + More Details	Fixed	4.49%	31/10/2015	4.00%	4.20%	90%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: no Remortgage: no Call Direct 0800 158 2907
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers no Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.49% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison 4.20% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan na
	NatWest 2yr 4.49% Fxd LTV 95% Direct NewBuy scheme + More Details	Fixed	4.49%	31/10/2015	4.00%	4.20%	95%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 5% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 158 2907
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 5% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.49% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison 4.20% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan na
	Royal Bank of Scotland 2yr 4.49% Fxd FTB LTV 90% Direct No Fee + More Details	Fixed	4.49%	31/10/2015	4.00%	4.20%	90%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: no Remortgage: no Call Direct 0800 096 7446
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers no Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.49% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison 4.20% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan na
	Yorkshire Building Society Flexi 3yr 4.49% Fxd H/P C/B LTV 90% Branch + More Details	Fixed	4.49%	30/06/2016	4.99%	5.00%	90%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.49% Initial Term 30/06/2016 Final Rate 4.99% Overall Cost for Comparison 5.00% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 3yr 4.49% Fxd R/M LTV 90% Branch + More Details	Fixed	4.49%	30/06/2016	4.99%	5.00%	90%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.49% Initial Term 30/06/2016 Final Rate 4.99% Overall Cost for Comparison 5.00% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	HSBC Lifetime BBR + 3.99% LTV 90% Direct + More Details	Tracker	4.49%	term	n/a	4.60%	90%	£599	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Shared Ownership yes Initial Rate 4.49% Initial Term term Final Rate n/a Overall Cost for Comparison 4.60% Product Type Tracker Current Account/Offset no Early Repayment Charge no Application Fee Added to Loan yes
	HSBC Lifetime BBR + 3.99% LTV 90% Ex/C Adv Direct + More Details	Tracker	4.49%	term	n/a	4.46%	90%	£399	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Shared Ownership yes Initial Rate 4.49% Initial Term term Final Rate n/a Overall Cost for Comparison 4.46% Product Type Tracker Current Account/Offset no Early Repayment Charge no Application Fee Added to Loan yes
	HSBC Lifetime BBR + 3.99% LTV 90% Ex/C Prem Direct + More Details	Tracker	4.49%	term	n/a	4.60%	90%	£299	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Shared Ownership yes Initial Rate 4.49% Initial Term term Final Rate n/a Overall Cost for Comparison 4.60% Product Type Tracker Current Account/Offset no Early Repayment Charge no Application Fee Added to Loan yes
	Chelsea Building Society Flexi 5yr 4.54% Fixed Offset LTV 90% Branch + More Details	Fixed	4.54%	31/07/2018	5.79%	5.40%	90%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.54% Initial Term 31/07/2018 Final Rate 5.79% Overall Cost for Comparison 5.40% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Kent Reliance Banking Services 2yr 1.49% Discount LTV 90% + More Details	Discount	4.59%	24	6.08%	6.00%	90%	£880	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Shared Ownership no Initial Rate 4.59% Initial Term 24 months Rate Discount Term 24 months Final Rate 6.08% Overall Cost for Comparison 6.00% Product Type Discount Current Account/Offset no Early Repayment Charge no Application Fee Added to Loan yes
	Chelsea Building Society Flexi 3yr 4.59% Fixed Offset R/M LTV 90% Direct + More Details	Fixed	4.59%	31/07/2016	5.79%	5.60%	90%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.59% Initial Term 31/07/2016 Final Rate 5.79% Overall Cost for Comparison 5.60% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 3yr 4.59% Fxd Offset H/P C/B BLTV 90% Direct + More Details	Fixed	4.59%	31/07/2016	5.79%	5.60%	90%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.59% Initial Term 31/07/2016 Final Rate 5.79% Overall Cost for Comparison 5.60% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	HSBC 2yr 4.59% Fixed LTV 90% Fee Free Direct + More Details	Fixed	4.59%	31/08/2015	3.94%	4.10%	90%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £400000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £400000 Shared Ownership yes Initial Rate 4.59% Initial Term 31/08/2015 Final Rate 3.94% Overall Cost for Comparison 4.10% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan na
	NatWest 2yr 4.59% Fxd LTV 90% Direct + More Details	Fixed	4.59%	31/10/2015	4.00%	4.30%	90%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 158 2907
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.59% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison 4.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Post Office Ltd 5yr 4.59% Fixed BBR LTV 90% Fee Free + More Details	Fixed	4.59%	31/05/2018	4.49%	4.70%	90%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.59% Initial Term 31/05/2018 Final Rate 4.49% Overall Cost for Comparison 4.70% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan na
	Royal Bank of Scotland 2yr 4.59% Fxd LTV 90% Direct + More Details	Fixed	4.59%	31/10/2015	4.00%	4.30%	90%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 096 7446
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 10% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 4.59% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison 4.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

90% mortgages explained

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 per cent 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 per cent LTV, meaning you only have to put in 10 per cent 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.

Read Know Your Money's guide to getting on the property ladder.

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