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Property & Loan
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%
= £30,000
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LTV Summary
Your LTV
0%
Loan Amount
£0
Equity / Deposit
£0
Rate Tier
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Deposit vs Loan Breakdown
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UK LTV Rate Tiers (2026)
| LTV Band | Deposit Needed | Typical 2-yr Fix | Typical 5-yr Fix |
|---|---|---|---|
| ≤60% LTV | 40%+ | ~4.10% | ~3.90% |
| 61–65% | 35–39% | ~4.25% | ~4.05% |
| 66–70% | 30–34% | ~4.35% | ~4.15% |
| 71–75% | 25–29% | ~4.50% | ~4.30% |
| 76–80% | 20–24% | ~4.65% | ~4.45% |
| 81–85% | 15–19% | ~4.85% | ~4.65% |
| 86–90% | 10–14% | ~5.10% | ~4.90% |
| 91–95% | 5–9% | ~5.45% | ~5.20% |
Indicative rates for a £300k+ residential purchase, May 2026. Actual rates depend on your credit score, income and lender criteria.
FAQs
What is loan-to-value (LTV)?+
LTV is the size of your mortgage as a percentage of the property value. For example, if you buy a £300,000 property with a £30,000 (10%) deposit, your loan is £270,000 — an LTV of 90%. Lower LTV means less risk for the lender, so you get better interest rates.
What LTV do I need for the best mortgage rates?+
In the UK, the best rates typically kick in at 60% LTV (40% deposit). Notable rate tier thresholds are: 95%, 90%, 85%, 80%, 75%, 70%, 65% and 60% LTV. Each threshold step down usually unlocks meaningfully lower rates.
How does LTV change over time?+
Your LTV falls as your mortgage balance decreases (through repayments) and if the property value rises. On a repayment mortgage, LTV drops steadily. You can also reduce LTV with overpayments. When remortgaging, a lower LTV is one of the main ways to access a better rate.
What is the maximum LTV for a UK mortgage?+
Most high-street lenders offer up to 95% LTV (5% deposit) for residential purchases. The government Mortgage Guarantee Scheme supports 95% LTV products. Buy-to-let mortgages are typically capped at 75% LTV (25% deposit required). New-build properties often have lower maximum LTV limits.
⚠️ Estimates only. Mortgage rates change daily and depend on your personal circumstances. Not financial advice.
