What 75% LTV means for a 5-year fix
This page filters the 5-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.
This is the single most common combination in UK remortgaging: three-quarters loan-to-value, fixed for five years. Lenders build their ranges around it, so you get both the widest choice and the narrowest spread between the leading deals.
When the top deals are that close together, the decision is made on total cost rather than rate order. Add the product fee, subtract cashback, and account for whether the valuation and legal work are included — on a five-year deal those items are usually smaller than the rate difference, but not always.
Getting under 75% LTV before you take a 5-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 5-year fix locks that band in for 5 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 5 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 5-year fix at 75% LTV right for you?
It suits the situation most remortgaging homeowners are actually in: settled in the property, stable income, and no particular reason to expect a change over the next five years. Five years of a known payment has genuine value even if a shorter deal might have worked out slightly cheaper.
Before you commit, check the early repayment charge and confirm the deal is portable. Five years is long enough for plans to change, and those two terms determine what it costs you if they do.
Common questions
What does 75% LTV mean on a 5-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 5-year deal. On a £300,000 property it means a mortgage of £225,000.
Can I get a 5-year fixed rate at 75% LTV?
Yes — the table above lists the 5-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.
Is 75% LTV a good position for a 5-year fix?
It's a strong one. Every mainstream lender competes at this level, so you get wide choice and keen pricing — not quite the sharpest rates in the market, which sit at 60%, but close to them.
Should I wait until I reach 60% LTV before fixing for 5 years?
Rarely. Waiting means either taking a short deal in the meantime or sitting on the standard variable rate, and the cost of doing either usually exceeds the difference between the 75% and 60% bands. Take the deal that's right now and improve your band at the next remortgage.
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 5-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.