Best 75% LTV mortgage rates

What 75% LTV means

Loan-to-value is the size of your mortgage as a percentage of what the property is worth. At 75% LTV you are borrowing 75% of the value and covering the other 25% yourself — either as a deposit if you're buying, or as equity you already hold if you're remortgaging. On a £250,000 property that's a mortgage of £187,500 and £62,500 of your own money.

Lenders publish their rates in LTV bands, and the price steps down each time you cross into a lower band. The bands are hard edges, not a sliding scale: at 75.1% LTV you pay the rate for the band above, not something in between. That is why a small overpayment or a favourable valuation can be worth far more than it looks.

The rates in the table are the deals available to someone borrowing at 75% LTV — which includes any product whose maximum LTV is 75% or higher. If your LTV is lower than you assumed, you'll see better pricing than this page shows.

The band most remortgagers land in

75% is the centre of gravity of the UK mortgage market. It's where a large share of remortgaging homeowners sit after a few years of repayments and modest house-price growth, and lenders build their ranges around it. Every mainstream lender competes here, and the rate spread between them is narrow.

Practically, that means two things. You have enormous choice, so there's little reason to settle for a mediocre deal. And because the rates cluster so tightly, the differentiators shift to fees, cashback and incentives rather than the headline number.

The step down to 60%

The next band below is usually 60%, and it's the last meaningful improvement available. Whether chasing it makes sense depends on how far away you are — 15 percentage points of LTV is a lot of capital on most properties, and for many people it's simply not reachable within one deal period.

If you're at 68% or 70%, though, the gap is real and closable through a combination of overpayments and time. Work out the cash needed to cross the line, weigh it against the rate difference applied to your whole balance over your next deal, and you'll have a concrete answer rather than a vague sense that overpaying is virtuous.

Some lenders also publish a 70% or 65% band. It's not universal, but it's worth checking, because if it exists it's a shorter step than going all the way to 60%.

Where 75% LTV borrowers lose money

The most common mistake at this level isn't picking a slightly worse rate, it's inertia. Because 75% pricing is decent, the standard variable rate feels less alarming than it should, and people drift onto it after a deal ends. The gap between a competitive 75% fix and a typical SVR is still two to four percentage points — several hundred pounds a month on a typical balance.

The second is over-indexing on rate. In a band where the top ten deals sit within about a quarter of a percent of each other, a £1,499 fee versus no fee often matters more than the rate ordering — particularly on balances under about £200,000.