Very close to next level of LTV

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If I’m at 81% LTV and looking for 5 year fixed, am I restricted to 85% LTV products? Is it as simple as if you're at 81%, you may as well be at 83% or 84% in terms of products offered.
Or will a lender use common sense and see that around 5/6 months into a 60 month deal, I’ll be at 80% and let me apply for those products?
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Sorry if that's a silly question, I was a first time buyer last year coming up to my first ever re-mortgage.
But it might not even matter. I had a purchase client a few days ago on the border of 80-85% LTV and with the 3 lenders I was looking at it made no difference to the 5yr fix rates available.
I am a Mortgage Adviser - You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
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Looking at my sourcing system i see no difference in rates at 80 and 85% and maybe 0.2% lower at 75%. Probably not worth worrying about to be honest.
You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.