Related topic: LTV

Self-employed, contractors and zero-hour workers can now access 95% LTV lending when applying for a Gen H mortgage.

The Society has announced the complete removal of the LTV cap on lending into retirement.

The number of loans with LTV ratios exceeding 90% reached 7.4%, the highest share since 2008.

The change expands the lender’s criteria to meet a wider range of borrowing scenarios.

Omni offers more2life’s highest LTV of 55.3%, broadest criteria across age and property types, and enhanced overpayment flexibility.

90%+ LTV products now account for over 22% of all borrowing, indicating more buyers are stretching their deposits due to affordability pressures.

The high-LTV product range is available to first-time buyers or existing homeowners looking to purchase, upsize or remortgage.

Average LTVs on new mortgages are much higher in Scotland.

RAW Capital Partners will offer a single 70% LTV first charge for all cases.

The update offers borrowers greater flexibility and access to funding.