90% LTV Remortgage Deals ????

Marple4848

I am looking to move away from Northern Rocks SVR onto a 5 year fixed rate deal at 90% LTV ( borrowing around £193000 over 22 years )
As we still have a large amount outstanding I feel it would be safest to tie into a 5 year deal and ride out the storm.
I have around £125000 lump sum coming my way in 10 years which I will use at least half to pay off part of the mortgage outstanding at that time.
Can anyone suggest the best 5 year fixed deal at the minute please.........thanks

_Andy_

Hi Marple

You say '90% LTV' - on what valuation are you basing this on - i.e. estate agent etc.? This is important because at 90% even a slight down-valuation by a surveyor would mean a decline.

herbiesjp

That is a very important point raised by Andy.

Also, the rates on those 90% deals are not that fantastic

Do you have a good credit history?

What are your incomes?

Marple4848

herbiesjp wrote: »

That is a very important point raised by Andy.

Also, the rates on those 90% deals are not that fantastic

Do you have a good credit history?

What are your incomes?

We earnt combined wage 2008-2009 £61K

Good credit history

Re the house value I am being conservative re the 90% LTV....we will just squeeze in if we get our house valued at £220K....we in a micro market area and last year we before the bubble burst we were valued £240k

Thanks