Borrowing
Understanding how much you can borrow and what affects your mortgage affordability. Topics include loan-to-value ratios, deposits, additional borrowing and lender criteria.
Borrowing 75% LTV
A 75% LTV mortgage means borrowing three-quarters of your home's value, so you'll need to save a 25% deposit yourself.
Borrowing More Than the Property Value
Mortgages above 100% LTV let you borrow more than your property's worth, which can cover upfront costs but leaves you in negative equity from day one.
Borrowing Up to 100% LTV
First-time buyers can now get mortgages covering the full property price with no deposit needed, though affordability checks are stricter.
Can You Afford Your Mortgage?
Work out if you can actually afford a mortgage and explore your options for getting on the property ladder.
Getting a Deposit for a Home
Find practical ways to save for a home deposit, from borrowing family money to high-interest savings accounts.
Loan-to-Value
Understand how loan-to-value affects how much a lender will give you and why some lenders offer higher LTVs than others.
Mortgages and Extra Loans
Your credit history matters more than you think when applying for a mortgage or getting loans approved.
Paying the Money Back on Your Mortgage
Your mortgage repayment options and how to avoid paying more interest in the long run.
Why Lenders Are Cutting Back
Banks are tightening lending standards and pulling back from the mortgage market due to fallout from the US subprime crisis.
Topics
Free Tools
Mortgage Costs
FAQ's
Case Studies
First-time Buyers
Clear a Mortgage
Facts & Figures
Mortgage Types
Bad Credit
Self-Certification
Self-build Mortgage
Borrowing
Timing
Mortgage Sharing
Getting Advice
The Mortgage Process
Insuring the Mortgage
Regulation
The Credit Crunch
Remortgaging