Many first time buyers who have not saved up a deposit for a house will find it very difficult to get a mortgage now of more than 85-90% LTV (Loan to value of property).

With house prices rising many people are unable to save the amount which they can use for a down payment on a purchase.

The major lenders are aware of this fact and are slowly introducing lower LTV mortgage products in order to capitalise on this major market segment.

The criteria for qualifying for a 90% mortgage vary from lender to lender. A good credit record along with a salary to support the mortgage is a good starting point. There are farfewer lenders that will offer 90% mortgages to people with less than perfect credit ratings. You should however be careful if taking out a 90% mortgage as you will have little spare equity in the property.

In order to find the best 90% mortgage it is advisable to explore the entire market place in order to find the best deal. If you would like independent qualified advice from a qualified mortgage broker please use the no obligation enquiry form below.

We Believe the Best Advice is Independent Advice

The companies that we introduce to have access to the whole UK market, and numerous exclusive deals, they can help you find the most appropriate mortgage deal to meet your needs. There is a 'right' deal for everyone - this service aims to introduce you to Independent Mortgage Brokers that can help you choose the deal that is right for you!

Or If you would prefer you can contact one of the companies below regarding 90% Mortgages who may be able to help you.