What 75% LTV means for a 2-year fix
This page filters the 2-year fixed market down to products a borrower at 75% loan-to-value can actually take — that is, deals whose maximum LTV is 75% or above. On a £250,000 property that means a mortgage of about £187,500, with £62,500 covered by your deposit or existing equity.
75% is the busiest band in the market, and 2-year fixes are the most heavily competed product within it. Every mainstream lender is here, so the rate spread across the leading deals is narrow and the choice is wide.
That competition means incentives do a lot of the differentiating. Free valuations, free legals and cashback appear regularly on 2-year remortgage products at this level, and they can be worth more than the rate difference between the top few deals.
Getting under 75% LTV before you take a 2-year fix
Whether you qualify at 75% comes down to the lender's own valuation, divided into the amount you want to borrow. Not the price you paid, not a portal's estimate, and not what a neighbour's house sold for. Since a 2-year fix locks that band in for 2 years, it is worth a few minutes' attention before you apply rather than after.
The bands are hard steps, so landing marginally the wrong side of 75% costs you the whole band for the full 2 years — not a proportionate amount. Two things can move you across: a modest overpayment before you apply, and challenging a low valuation with evidence of comparable local sales. Remortgage valuations are frequently automated from property data, and automated figures are sometimes conservative enough to be worth contesting.
Is a 2-year fix at 75% LTV right for you?
A 2-year fix at 75% suits someone who expects their position to improve — through repayments, home improvements or price growth — and wants to re-enter the market in a lower band in two years rather than five.
It also suits anyone who may move, since a shorter commitment means fewer years during which a move could collide with an early repayment charge. If neither is true and you're settled, the 5-year equivalent at this LTV is worth pricing directly against it.
Common questions
What does 75% LTV mean on a 2-year fix?
You're borrowing 75% of the property's value, with the other 25% covered by your deposit or the equity you already hold, and that ratio sets the price band your rate is drawn from for the whole 2-year deal. On a £300,000 property it means a mortgage of £225,000.
Can I get a 2-year fixed rate at 75% LTV?
Yes — the table above lists the 2-year fixed products we currently see available at 75% LTV. Availability and pricing depend on the lender's criteria, the property type and your circumstances as well as the 75% figure, and the range on offer at this band is not the same as at the bands above or below it.
How much cheaper is 60% LTV than 75% on a 2-year fix?
The gap varies with market conditions and is usually narrower than the step from 90% to 75%. Because it applies to your whole balance for the full deal, even a modest difference is worth checking whether an overpayment could close.
How current are the rates on this page?
We collect product data from the lenders we track from their published information and refresh it regularly, so the 2-year fixed deals listed are those we last saw available to a borrower at 75% LTV. Lenders can withdraw or reprice a deal at any time, sometimes with a few hours' notice, and a rate shown here is not an offer — availability depends on your circumstances, the property and the lender's own criteria.