Searching for a mortgage according to LTV

owitemisermusa

Hi there,

Is there any way to search for a mortgage according to LTV? I mean say 85% or 90%?

The reason why I'm asking is that numerous posts seem to suggest that there are better deals for higher lower LTVs and I'm just wondering about the best way to get 'em.

Cheers.

OWM

Jaxxb

I've been trying to find better rates for low LTV but with no luck, I think you have to check indivdual companies web sites which is what I've been doing but I haven't seen anything lower than 95% yet) A mortgage adviser would know the companies more likely to do that sort of thing I suppose.

UK007BullDog

That is correct, but the deals have been getting thin. However a few are still about. Are you remortgaging? there are some OK 75% LTV available. Speak to a whole of market brocker.

owitemisermusa

UK007BullDog wrote: »

That is correct, but the deals have been getting thin. However a few are still about. Are you remortgaging? there are some OK 75% LTV available. Speak to a whole of market broker.

Thanks, only trouble is they take forever to get back to you!! Is business really booming that much that brokers don't call back when they say they will?

herbiesjp

owitemisermusa wrote: »

Thanks, only trouble is they take forever to get back to you!! Is business really booming that much that brokers don't call back when they say they will?

Brokers should get back to you asap - same with any line of work though, some do and some dont. I wish my plumbers and electricians returned my calls or turned up for aappoinments I've made:rolleyes:

However if they are fee free advisers, and they get the idea that you are just using them as a research tool, then that may be the reason they do no get back to you;)

HelpWhereIcan

have a look at http://www.moneyfacts.co.uk/searches/mortgage.aspx and http://www.fsa.gov.uk/tables

Both will allow you to search for deals based on your specific circumstances ie income, LTV, loan required etc

Will not be foolproof as will not take into account some of the nuances of lenders' criteria but is a good place to start your research in preparation to talking to a broker - especially as they include lenders not available through most brokers