10%, 20%, 30% LTV Mortgages - Fast, Free And Easy To Apply!

Apply for a 10%, 20%, or 30% LTV mortgage with Octagon Capital. Fill in our simple online form and our team will provide the best rates in your area.

If you are able to provide a 90%, 80% and 70% deposit for a property, you should apply for a LTV Mortgage for a loan worth the remaining value (10%, 20%, 30% respectively).

Check your eligibility and decide if it is the right option for you in securing your mortgage.

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Our Online Search Will Get You The Best Rates For Your 10%, 20%, 30% LTV Mortgage

If you are exploring your options for taking out a mortgage, there is an important ratio you need to be aware of which will affect the rate of interest you can get: loan-to-value (LTV). This is a way of expressing how much you are borrowing compared with the total value of your property. 

Your LTV is shown as a percentage and is a key factor in dictating the type of mortgage you will be able to get. As a general rule, the best mortgage deals will be given to those who have a lower LTV. 

Those with a high LTV are more of a risk to a lender. As a form of secured loan, in providing a higher LTV mortgage a bank is more susceptible to making a loss if house prices fall. On the other hand, a lower LTV can give greater assurance they will make back all of the money invested.

What is a 10%, 20%, 30% LTV Mortgage?

To use the example of 30%:

A 30% loan to value mortgage is a home loan where you borrow 30% of the value of your property from a lender. The 70% remaining will be paid as the deposit needed to secure the mortgage.

For instance, if you were buying a property worth £250,000, a 30% LTV mortgage would require a £175,000 deposit. Your chosen lender will then lend you the remaining £75,000 as a loan to be repaid.

The money that you borrow from your lender will be repaid over the agreed mortgage term, along with any additional interest on the loan and once you have fully repaid, you will own the property outright.

As these percentages are so low due to putting down such a large amount of deposit, you would have more ownership of the property as you start your mortgage. If you have no deposit saved you could consider a 100% LTV mortgage.

what is a bridging loan

Speak to Octagon Capital on 0333 414 1491 for mortgage rates at a range of different LTVs.

What Are The Types of 10%, 20%, 30% LTV Mortgages?

You can find a range of mortgage types available when exploring your options, commonly you will be offered a fixed rate, a variable rate or a tracker mortgage:

  • Fixed rate – if you are offered a fixed rate mortgage, your repayments will be fixed at a set amount for the entire duration of the mortgage deal. The benefit of this is that you will know exactly how much you will be repaying on your mortgage. You take the risk that interest rates could lower during the repayment term meaning you are missing out on a better deal, and often there are high fees to change your deal before the end of its term. 
  • Variable rate – a variable rate mortgage offer works against your bank’s standard variable rate and will increase or decrease by a certain percentage. The interest rates for this type of mortgage can be lower than fixed rates, but it is important to be aware that they can change. 
  • Tracker Mortgages: With a tracker mortgage, the rate of interest you pay on your mortgage is linked to the Bank of England’s base rate. You are therefore not tied to a fixed rate – as this base rate changes, your repayments can go up or down each month.

A typical fixed rate mortgage will last between 2 to 5 years.


What Is The Eligibility Criteria for 10%, 20%, 30% LTV Mortgages?

In order to be eligible for a 10%, 20%, 30% LTV mortgage you firstly must have the deposit amount required. There are also a few other criteria to meet set by the lender including some affordability checks. 

The specific criteria you need to meet will be dependent on your chosen lender, but they may include the following:

  • You will need to provide sufficient proof of identification 
  • You meet the age requirements of the mortgage
  • You can pass a required credit check from your lender
  • You are able to show you can afford the loan based on an affordability check and other criteria

What Are The Pros And Cons Of 10%, 20%, 30% LTV Mortgages?

There are a number of benefits of taking out a 10%, 20%, 30% LTV mortgage. With such a low LTV, you will experience better interest rates than those offered with higher LTVs. You could also have a better chance of approval with a higher deposit even if you have a history of bad credit.

This mortgage is only suitable for particular types of applicants however. In paying well over half the property’s value, a 70% or higher value deposit is for many simply an unaffordable amount of money.

If you are looking for a low deposit mortgage option, Octagon Capital can help you find another value of LTVs which you could consider, including 70%, 90% and even 100%.

What Are The Benefits Of Applying With A Mortgage Broker Like Octagon Capital?

Using a mortgage can offer several advantages worth considering. Firstly, brokers possess extensive knowledge of the local property market and lenders, enabling them to find the best deals tailored to your needs – even if you have bad credit!

Their expertise in navigating complex mortgage processes ensures a smoother transaction, while their impartial advice can help you make informed decisions.

Ultimately, using a mortgage broker can lead to better rates, increased convenience and a stress-free mortgage experience.

How To Apply With Octagon Capital

There is a simple and quick process to apply for 10%, 20%, 30% LTV Mortgages with Octagon Capital. Enter your details using our online form and you will hear from a member of our team to get you the best rates.

Discuss your options with a member of our dedicated team today. You can call us on 0333 414 1491 or email sales@octagoncapital.co.uk.


A maximum fee of 1% of the loan amount is payable – for example on a mortgage of £100,000 the fee would be £1,000, the exact fee will be dependent on your circumstances. For Bridging Finance where the net loan amount is £150,000 or below, the maximum fee charged is £1,995.

SPF Short Term Finance is a trading style of SPF Private Clients Limited which is authorised and regulated by the Financial Conduct Authority (FCA).