{"id":5375,"date":"2023-05-23T10:10:47","date_gmt":"2023-05-23T09:10:47","guid":{"rendered":"https:\/\/octagoncapital.co.uk\/?page_id=5375"},"modified":"2023-06-06T11:03:39","modified_gmt":"2023-06-06T10:03:39","slug":"low-deposit-mortgages","status":"publish","type":"page","link":"https:\/\/octagoncapital.co.uk\/low-deposit-mortgages\/","title":{"rendered":"Low Deposit Mortgages"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;4&#8243; bottom_padding=&#8221;3&#8243; back_color=&#8221;primary-colour&#8221; overlay_color=&#8221;color-jevc&#8221; overlay_alpha=&#8221;35&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; bottom_divider=&#8221;tilt&#8221; uncode_shortcode_id=&#8221;193656&#8243; back_color_type=&#8221;uncode-palette&#8221; overlay_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243;][vc_custom_heading text_color=&#8221;color-xsdn&#8221; heading_semantic=&#8221;h1&#8243; text_size=&#8221;h1&#8243; uncode_shortcode_id=&#8221;567338&#8243; text_color_type=&#8221;uncode-palette&#8221;]<\/p>\n<h1><b style=\"color: white;\">Low Deposit Mortgages<\/b><\/h1>\n<p>[\/vc_custom_heading][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1581004107867{padding-top: 30px !important;padding-right: 30px !important;padding-bottom: 30px !important;padding-left: 30px !important;}&#8221;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; back_color=&#8221;color-lxmt&#8221; overlay_alpha=&#8221;50&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;0&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; el_class=&#8221;inverted-device-order&#8221;][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;4&#8243; style=&#8221;light&#8221; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243;][vc_custom_heading uncode_shortcode_id=&#8221;110236&#8243;]Whether you\u2019re a first-time buyer or an existing homeowner, it can be a struggle to get together enough for a large deposit.<\/p>\n<p>If you\u2019re in a similar position and can only afford a small deposit for your next property purchase, a low-deposit mortgage may be just the thing for you.<\/p>\n<h2 class=\"mainHero-subtitle\"><\/h2>\n<p>[\/vc_custom_heading][vc_column_text uncode_shortcode_id=&#8221;108919&#8243;]<span style=\"font-weight: 400;\">In the UK, the most common loan-to-value (LTV) ratio for mortgages is typically 75% to 80%. These LTV ratios are often preferred by lenders and borrowers as they strike a balance between a reasonable deposit amount and manageable mortgage payments. <\/span>[\/vc_column_text][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;4&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; mobile_height=&#8221;340&#8243;][vc_custom_heading subheading=&#8221;*UK Property Only | *Minimum Age 21&#8243; uncode_shortcode_id=&#8221;788436&#8243;]<\/p>\n<div class=\"vc_custom_heading_wrap \">\n<div class=\"heading-text el-text\">\n<p class=\"h2\"><strong><span style=\"color: #602474;\">Apply for a Mortgage Below<\/span><\/strong><\/p>\n<\/div>\n<div class=\"clear\"><\/div>\n<\/div>\n<div id=\"gform_wrapper_3\" 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width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;2\/3&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-xl&#8221; radius=&#8221;btn-square&#8221; hover_fx=&#8221;full-colored&#8221; border_width=&#8221;0&#8243; link=&#8221;url:tel%3A0333%20414%201491&#8243;]0333 414 1491[\/vc_button][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/4&#8243;][vc_column_text uncode_shortcode_id=&#8221;113440&#8243;]<\/p>\n<h2 style=\"text-align: left;\">Our Partner <span style=\"color: #571577;\">Lenders<\/span><\/h2>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;3\/4&#8243;][vc_gallery el_id=&#8221;gallery-8545456&#8243; type=&#8221;carousel&#8221; medias=&#8221;4236,4219,2739,4235,2735,2732&#8243; carousel_lg=&#8221;5&#8243; carousel_md=&#8221;5&#8243; carousel_sm=&#8221;3&#8243; gutter_size=&#8221;3&#8243; media_items=&#8221;media|nolink|original,icon|md&#8221; carousel_interval=&#8221;3000&#8243; carousel_navspeed=&#8221;400&#8243; carousel_loop=&#8221;yes&#8221; stage_padding=&#8221;0&#8243; single_overlay_opacity=&#8221;50&#8243; single_overlay_anim=&#8221;no&#8221; single_text_anim=&#8221;no&#8221; single_image_anim=&#8221;no&#8221; single_padding=&#8221;2&#8243; single_border=&#8221;yes&#8221; title=&#8221;Clients&#8221;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;accent&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text text_color=&#8221;color-xsdn&#8221; uncode_shortcode_id=&#8221;790662&#8243; text_color_type=&#8221;uncode-palette&#8221;]<\/p>\n<h2><span style=\"color: #ffffff;\">What is a Low Deposit Mortgage?<\/span><\/h2>\n<p>[\/vc_column_text][vc_column_text text_color=&#8221;color-xsdn&#8221; uncode_shortcode_id=&#8221;350786&#8243; text_color_type=&#8221;uncode-palette&#8221;]A low deposit mortgage is a type of secured loan that only requires a small (or low) deposit from the borrower. This means that the LTV (Loan-to-Value) on the mortgage will be high. Most low-deposit mortgages range from around 90%-95% the value of the property.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;5&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;1&#8243; back_color=&#8221;color-xsdn&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;4&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;192401&#8243; back_color_type=&#8221;uncode-palette&#8221; shape_dividers=&#8221;&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text uncode_shortcode_id=&#8221;471991&#8243;]<\/p>\n<h2><strong>Am I Eligible for a <span style=\"color: #800080;\">Low Deposit Mortgage?<\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Your eligibility for a low-deposit mortgage can be affected by various different factors, including the following:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your credit score<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your income<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Details of your employment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Where you are based (typically need to be based in the UK)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Whether you can provide the required deposit amount<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">As with any kind of mortgage, you\u2019ll have to show that you\u2019re able to afford repayments on the loan.<\/span><\/p>\n<p><br style=\"font-weight: 400;\" \/><br style=\"font-weight: 400;\" \/>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_single_image media=&#8221;4365&#8243; media_width_percent=&#8221;100&#8243;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;5&#8243; top_padding=&#8221;0&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;color-xsdn&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;4&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;455031&#8243; back_color_type=&#8221;uncode-palette&#8221; shape_dividers=&#8221;&#8221;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;140810&#8243;]<\/p>\n<p style=\"text-align: center;\"><strong><span style=\"color: #800080;\">Speak to Octagon Capital<\/span> on 0333 414 1491 for mortgages at a range of different LTVs.<\/strong><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;color-gyho&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;159506&#8243; back_color_type=&#8221;uncode-palette&#8221;][vc_column width=&#8221;1\/1&#8243;][vc_custom_heading uncode_shortcode_id=&#8221;626542&#8243;]<\/p>\n<h2 style=\"text-align: center;\"><strong>Is a <span style=\"color: #800080;\">Low Deposit\u00a0<\/span><span style=\"caret-color: #602474;\"><span style=\"color: #800080;\">Mortgage<\/span>\u00a0<\/span>Considered High LTV?<\/strong><\/h2>\n<p>[\/vc_custom_heading][vc_column_text uncode_shortcode_id=&#8221;598281&#8243;]In mortgage terminology, low deposit mortgages are generally considered as high LTV (loan-to-value) mortgages. Low LTV mortgages typically refer to those with ratios below 60% or 50%. Higher LTV mortgages involve borrowing a larger percentage of the property&#8217;s value, which often comes with higher interest rates and potentially stricter lending criteria.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;color-gyho&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;159506&#8243; back_color_type=&#8221;uncode-palette&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; wide=&#8221;yes&#8221; hover_fx=&#8221;outlined&#8221; border_width=&#8221;0&#8243; link=&#8221;url:tel%3A03334141491|||&#8221;]Call us on 0333 414 1491[\/vc_button][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; wide=&#8221;yes&#8221; hover_fx=&#8221;outlined&#8221; border_width=&#8221;0&#8243; link=&#8221;url:mailto%3Asales%40octagoncapital.co.uk|title:Email%20us%20at%20sales%40octagoncapital.co.uk||&#8221;]Email us at sales@octagoncapital.co.uk[\/vc_button][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;color-xsdn&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_custom_heading uncode_shortcode_id=&#8221;209092&#8243;]<\/p>\n<h2 style=\"text-align: center;\"><strong>What is the Lowest Deposit Needed for a<span style=\"color: #800080;\"> Low Deposit Mortgage?<\/span><\/strong><\/h2>\n<p>[\/vc_custom_heading][vc_column_text uncode_shortcode_id=&#8221;794099&#8243;]Typically, the lowest deposit required for a mortgage is around 5% \u2013 10%, however, some lenders may even offer a 100% LTV mortgage on a shared ownership property.<\/p>\n<p>This means that, in the right circumstances, you might not even need a deposit for your mortgage. However, this is only in exceptional circumstances, and a deposit of some kind will generally be required for a mortgage.[\/vc_column_text][vc_column_text uncode_shortcode_id=&#8221;166133&#8243;]<\/p>\n<h2><strong>What Are the Pros of\u00a0<span style=\"color: #800080;\">Low\u00a0Deposit Mortgages?\u00a0<\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Pros of low deposit mortgages include:<\/span><\/p>\n<ul>\n<li>Those with a small deposit won\u2019t have to wait to grow this into a larger sum, and have the opportunity to buy a home sooner than with other types of mortgages.<\/li>\n<li>Those with low equity in their current homes wanting to move in the near future have the opportunity to do this with a low-income mortgage, rather than waiting for their equity to grow by staying in the same place for longer than they\u2019d want.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text uncode_shortcode_id=&#8221;143246&#8243;]<\/p>\n<h2><strong>What Are the Cons of <span style=\"color: #800080;\">Low Deposit Mortgages?\u00a0<\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Cons of low deposit mortgages include:<\/span><\/p>\n<ul>\n<li>With a low-deposit mortgage you could potentially face higher fees and interest rates due to the increased risk to the lender for lending a greater sum of money than with lower LTVs.<\/li>\n<li>As not all lenders offer these types of mortgages, there\u2019s less variety and therefore less options for prospective borrowers to choose from.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/4&#8243;][vc_column_text uncode_shortcode_id=&#8221;978476&#8243;][\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text uncode_shortcode_id=&#8221;169209&#8243;]<\/p>\n<p><center><iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/VMqJ97-wbM0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><center>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/4&#8243;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-lxmt&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;194465&#8243;]<\/center><\/center><\/p>\n<h2 style=\"text-align: left;\">What Are the Types of <span style=\"color: #800080;\">Low Deposit Mortgages?<\/span><\/h2>\n<p>There are a number of different low-deposit mortgages out there. The two main types are variable rate and fixed rate:<\/p>\n<ul>\n<li><strong>Variable rate<\/strong> \u2013 the majority of these are tracker mortgages, meaning it will track the bank\u2019s SVR (standard variable rate), adding or taking away a certain, set percentage. Variable rate mortgages can have lower rates compared to fixed-rate mortgages in the short term, however, it\u2019s important to note that this can change.<\/li>\n<li><strong>Fixed rate <\/strong>\u2013 with this rate, borrowers\u2019 repayments will be set to a fixed amount throughout the duration of the deal. This helps give borrowers peace of mind knowing exactly how much their repayments on their mortgage will be, however it can come with big fees for repaying early or changing the product before the set end of its term.<\/li>\n<\/ul>\n<p>The length of these low-deposit mortgages varies also, with fixed rate typically lasting around two-five years.[\/vc_column_text][vc_column_text uncode_shortcode_id=&#8221;572923&#8243;]<\/p>\n<h2 style=\"text-align: left;\">What Are the Repayment Options for <span style=\"color: #800080;\">Low Deposit Mortgages?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Repayment options for low deposit mortgages typically include two main types: repayment mortgages (capital and interest) and interest-only mortgages.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Repayment Mortgages:<\/b><span style=\"font-weight: 400;\"> With a repayment mortgage, you make monthly payments that consist of both the interest charged and a portion of the principal (the original loan amount). Over time, your outstanding balance decreases until the mortgage is fully repaid at the end of the term.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Interest-Only Mortgages:<\/b><span style=\"font-weight: 400;\"> With an interest-only mortgage, your monthly payments cover only the interest charges, and the principal remains unchanged. This means you need a separate plan or investment vehicle to repay the principal at the end of the mortgage term.<\/span><\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text uncode_shortcode_id=&#8221;196414&#8243;]<\/p>\n<h2 style=\"text-align: left;\">Are There Any Restrictions on the Type of Property I Can Buy With a\u00a0<span style=\"color: #800080;\">Low Deposit Mortgage?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Lenders may have property eligibility criteria for high LTV mortgages. Some restrictions may apply to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Properties with leaseholds<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New builds<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Non-standard construction<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Properties located in certain areas<\/span><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;color-xsdn&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;281884&#8243;]<\/p>\n<h2>What Happens if I Can\u2019t Afford the Repayments on My <span style=\"color: #800080;\">Low Deposit Mortgage?<\/span><\/h2>\n<p>If you can&#8217;t afford the repayments on your low deposit mortgage, you should contact your lender immediately. They may offer options such as repayment restructuring, temporary payment breaks, or extending the mortgage term to reduce monthly payments. Be sure to address any issues promptly to avoid potential consequences like arrears or repossession.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-lxmt&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;154718&#8243;]<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #571577;\"><span style=\"color: #000000;\">How To Apply For a <span style=\"color: #800080;\">Low Deposit Mortgage<\/span> With <\/span><span style=\"color: #800080;\">Octagon Capital<\/span><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Enter your details using our online form and you will hear from a member of our team to get you the best rates.<\/span><\/p>\n<p>To explore your options with a member of our dedicated team, call us on 0333 414 1491 or email <a href=\"mailto:sales@octagoncapital.co.uk\">sales@octagoncapital.co.uk<\/a>.[\/vc_column_text][vc_empty_space empty_h=&#8221;2&#8243;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;4&#8243; back_color=&#8221;color-gyho&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/2&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; wide=&#8221;yes&#8221; hover_fx=&#8221;outlined&#8221; border_width=&#8221;0&#8243; link=&#8221;url:tel%3A03334141491|||&#8221;]Call us on 0333 414 1491[\/vc_button][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; wide=&#8221;yes&#8221; hover_fx=&#8221;outlined&#8221; border_width=&#8221;0&#8243; link=&#8221;url:mailto%3Asales%40octagoncapital.co.uk|title:Email%20us%20at%20sales%40octagoncapital.co.uk||&#8221;]Email us at sales@octagoncapital.co.uk[\/vc_button][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-uydo&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.<\/strong><\/p>\n<p style=\"text-align: center;\">A maximum fee of 1% of the loan amount is payable \u2013 for example on a mortgage of \u00a3100,000 the fee would be \u00a31,000, the exact fee will be dependent on your circumstances. For Bridging Finance where the net loan amount is \u00a3150,000 or below, the maximum fee charged is \u00a31,995.<\/p>\n<p style=\"text-align: center;\">SPF Short Term Finance is a trading style of SPF Private Clients Limited which is authorised and regulated by the Financial Conduct Authority (FCA).<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;4&#8243; bottom_padding=&#8221;3&#8243; back_color=&#8221;primary-colour&#8221; overlay_color=&#8221;color-jevc&#8221; overlay_alpha=&#8221;35&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; bottom_divider=&#8221;tilt&#8221; uncode_shortcode_id=&#8221;193656&#8243; back_color_type=&#8221;uncode-palette&#8221; overlay_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; [&hellip;]<\/p>\n","protected":false},"author":20,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Low Deposit Mortgages | Get a Quote | Octagon Capital<\/title>\n<meta name=\"description\" content=\"Low deposit mortgages are available through Octagon Capital. 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