90 Percent Mortgages

90% mortgages

		Mortgage Type Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years. Tracker: The interest rate rises and falls with the Bank of England base rate. Standard: The interest rate rises and falls with the provider’s standard interest rate (SVR). 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. Buy to Let: For landlords purchasing a property for letting.	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 The interest rate that your mortgage will revert to after any introductory rates have finished.	APR This is the mortgage’s Annual Percentage Rate: the interest rate that you will be charged on your mortgage including all charges such as arrangement fees (also referred to as Cost For Comparison).	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.
	HSBC 2yr 0.10% Discount LTV 90% Special Direct [Show Details]	Discount	3.84%	24	3.94%	4.00%	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% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	HSBC 2yr 4.49% Fixed LTV 90% Direct [Show Details]	Fixed	4.49%	31/05/2014	3.94%	4.20%	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 4283
	HSBC 2yr 4.49% Fxd LTV 90% Ex/C Advance Direct [Show Details]	Fixed	4.49%	31/05/2014	3.94%	4.00%	90%	£399	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 10% Max Loan: £400000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	Available for existing HSBC customers only.
	HSBC 2yr 4.49% Fxd LTV 90% Ex/C Premier Direct [Show Details]	Fixed	4.49%	31/05/2014	3.94%	4.20%	90%	£299	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 10% Max Loan: £400000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	Available for existing HSBC customers only.
	NatWest 2yr 4.59% Fxd LTV 90% Direct Ex/B [Show Details]	Fixed	4.59%	31/03/2014	4.00%	4.20%	90%	£499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Minimum Deposit: 10% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
	Available for existing NatWest customers only.
	Royal Bank of Scotland 2yr 4.59% Fxd LTV 90% Ex/B Direct [Show Details]	Fixed	4.59%	31/03/2014	4.00%	4.20%	90%	£499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Minimum Deposit: 10% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	HSBC Lifetime BBR + 4.09% LTV 90% Direct [Show Details]	Tracker	4.59%	term	n/a	4.80%	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 4283
	HSBC Lifetime BBR + 4.09% LTV 90% Ex/C Adv Dir [Show Details]	Tracker	4.59%	term	n/a	4.70%	90%	£399	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 10% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	Available for existing HSBC customers only.
	HSBC Lifetime BBR + 4.09% LTV 90% Ex/C Prem Dir [Show Details]	Tracker	4.59%	term	n/a	4.70%	90%	£299	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 10% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	Available for existing HSBC customers only.
	NatWest 2yr 4.75% Fxd LTV 90% Direct Ex/B Main Bank A/C [Show Details]	Fixed	4.75%	31/03/2014	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. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 10% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
	Available for existing NatWest customers only.
	Royal Bank of Scotland 2yr 4.75% Fxd LTV 90% Ex/B Main A/C Direct [Show Details]	Fixed	4.75%	31/03/2014	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. Existing Customer: Yes Minimum Deposit: 10% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	Post Office Ltd 2yr 4.79% Fixed BBR LTV 90% [Show Details]	Fixed	4.79%	31/03/2014	4.49%	4.70%	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: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0121 270 3556
	HSBC 2yr 4.89% Fixed LTV 90% Fee Free Direct [Show Details]	Fixed	4.89%	31/05/2014	3.94%	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: £400000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	HSBC 5yr 4.89% Fixed LTV 90% Direct [Show Details]	Fixed	4.89%	31/05/2017	3.94%	4.50%	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 4283
	HSBC 5yr 4.89% Fxd LTV 90% Ex/C Advance Direct [Show Details]	Fixed	4.89%	31/05/2017	3.94%	4.50%	90%	£399	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 10% Max Loan: £400000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	Available for existing HSBC customers only.
	HSBC 5yr 4.89% Fxd LTV 90% Ex/C Premier Direct [Show Details]	Fixed	4.89%	31/05/2017	3.94%	4.50%	90%	£299	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 10% Max Loan: £400000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	Available for existing HSBC customers only.
	Post Office Ltd 3yr 4.89% Fixed BBR LTV 90% [Show Details]	Fixed	4.89%	31/03/2015	4.49%	4.80%	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: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0121 270 3556
	NatWest 2yr BBR + 4.39% LTV 90% Direct [Show Details]	Tracker	4.89%	31/03/2014	4.00%	4.40%	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 158 2907
	Royal Bank of Scotland 2yr BBR + 4.39% Tracker LTV 90% [Show Details]	Tracker	4.89%	31/03/2014	4.00%	4.40%	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 068 7678
	Post Office Ltd 2yr BBR + 4.45% Tracker LTV 90% [Show Details]	Tracker	4.95%	31/03/2014	4.49%	4.80%	90%	£995	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 0121 270 3556
	Post Office Ltd 3yr 4.99% Fixed BBR LTV 90% No Fee [Show Details]	Fixed	4.99%	31/03/2015	4.49%	4.80%	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: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0121 270 3556
	HSBC Lifetime BBR + 4.49% LTV 90% Direct [Show Details]	Tracker	4.99%	term	n/a	5.10%	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% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	NatWest 2yr 5.09% Fxd LTV 90% Direct Ex/B [Show Details]	Fixed	5.09%	31/03/2014	4.00%	4.30%	90%	£999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Minimum Deposit: 10% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
	Available for existing NatWest customers only.
	Royal Bank of Scotland 2yr 5.09% Fxd LTV 90% Ex/B Direct [Show Details]	Fixed	5.09%	31/03/2014	4.00%	4.30%	90%	£999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Minimum Deposit: 10% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	Post Office Ltd 5yr 5.19% Fixed BBR LTV 90% [Show Details]	Fixed	5.19%	31/03/2017	4.49%	5.00%	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: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0121 270 3556
	HSBC 5yr 5.29% Fixed LTV 90% Fee Free Direct [Show Details]	Fixed	5.29%	31/05/2017	3.94%	4.60%	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 4283
	Post Office Ltd 5yr 5.35% Fixed BBR C/B LTV 90% Fee Saver [Show Details]	Fixed	5.35%	31/03/2017	4.49%	5.00%	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: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0121 270 3556
	NatWest 2yr 5.39% Fixed FTB C/B LTV 90% Direct [Show Details]	Fixed	5.39%	31/03/2014	4.00%	4.40%	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% First time buyer: yes Homemover: no Remortgage: no Call Direct 0800 158 2907
	NatWest 2yr 5.39% Fixed LTV 90% Direct [Show Details]	Fixed	5.39%	31/03/2014	4.00%	4.50%	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 158 2907
	Royal Bank of Scotland 2yr 5.39% Fxd FTB/C/B LTV 90% Direct [Show Details]	Fixed	5.39%	31/03/2014	4.00%	4.40%	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: £300000 First time buyer: yes Homemover: no Remortgage: no Call Direct 0800 068 7678
	Royal Bank of Scotland 2yr 5.39% Fxd LTV 90% Direct [Show Details]	Fixed	5.39%	31/03/2014	4.00%	4.50%	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 068 7678
	Santander UK plc 2yr BBR + 4.89% Tracker H/P C/B LTV 90% Direct [Show Details]	Tracker	5.39%	24 months	4.24%	4.60%	90%	£495	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: no Call Direct 0800 032 4610
	Santander UK plc 2yr 5.49% Fixed H/P C/B LTV 90% Direct [Show Details]	Fixed	5.49%	02/04/2014	4.24%	4.60%	90%	£495	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £300000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 032 4610
	Santander UK plc 5yr 5.89% Fixed H/P C/B LTV 90% Ex/C Direct [Show Details]	Fixed	5.89%	02/04/2017	4.24%	5.10%	90%	£495	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 10% Max Loan: £300000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 032 4610
	Available for existing Santander UK plc customers only.
	NatWest 5yr 5.99% Fixed LTV 90% Direct [Show Details]	Fixed	5.99%	31/03/2017	4.00%	5.00%	90%	£999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 158 2907
	NatWest 5yr 5.99% Fxd FTB LTV 90% Direct [Show Details]	Fixed	5.99%	31/03/2017	4.00%	5.00%	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: £300000 First time buyer: yes Homemover: no Remortgage: no Call Direct 0800 158 2907
	Royal Bank of Scotland 5yr 5.99% Fxd FTB LTV 90% Direct [Show Details]	Fixed	5.99%	31/03/2017	4.00%	5.00%	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: £300000 First time buyer: yes Homemover: no Remortgage: no Call Direct 0800 068 7678
	Royal Bank of Scotland 5yr 5.99% Fxd LTV 90% Direct [Show Details]	Fixed	5.99%	31/03/2017	4.00%	5.10%	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 068 7678
	Santander UK plc 5yr 5.99% Fixed H/P C/B LTV 90% [Show Details]	Fixed	5.99%	02/04/2017	4.24%	5.20%	90%	£495	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 10% Max Loan: £300000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 032 4610
	Woolwich (Barclays) Openplan FM 3yr 5.99% Fxd BBR Ex/C LTV 90% [Show Details]	Fixed	5.99%	31/05/2015	3.89%	4.60%	90%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 10% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0845 070 1569
	Available for existing Woolwich (Barclays) customers only.
	Woolwich (Barclays) Openplan FM 3yr 5.99% Fxd BBR LTV 90% [Show Details]	Fixed	5.99%	31/05/2015	3.89%	4.60%	90%	£499	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 0845 070 1569
	Woolwich (Barclays) Openplan FM 3yr 5.99% Fxd BBR R/M C/B Ex/C LTV 90% [Show Details]	Fixed	5.99%	31/05/2015	3.89%	4.60%	90%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 10% Max Loan: £500000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0845 070 1569
	Available for existing Woolwich (Barclays) customers only.
	Woolwich (Barclays) Openplan FM 3yr 5.99% Fxd BBR R/M C/B LTV 90% [Show Details]	Fixed	5.99%	31/05/2015	3.89%	4.60%	90%	£499	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 Call Direct 0845 070 1569
	Woolwich (Barclays) Openplan FM 3yr 5.99% Fxd BBR R/M Ex/C LTV 90% [Show Details]	Fixed	5.99%	31/05/2015	3.89%	4.60%	90%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 10% Max Loan: £500000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0845 070 1569
	Available for existing Woolwich (Barclays) customers only.
	Woolwich (Barclays) Openplan FM 3yr 5.99% Fxd BBR R/M LTV 90% [Show Details]	Fixed	5.99%	31/05/2015	3.89%	4.60%	90%	£499	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 Call Direct 0845 070 1569
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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