Written by Mark Langshaw Reviewed by Lee Trett
Sources
18 June 2026
Lowest rate is currently 3.96% - 25 months tracker interest only mortgage at 60% LTV
5 May 2026
Lowest rate is currently 3.96% - 2 years tracker interest only mortgage at 75% LTV
22 April 2026
Lowest rate is currently 3.96% - 2 years tracker interest only mortgage at 60% LTV
21 April 2026
Lowest rate is currently 2.45% - 25 years tracker interest only mortgage at 65% LTV
16 April 2026
Lowest rate is currently 3.96% - 2 years tracker interest only mortgage at 60% LTV
31 May 2024
First Published
Welcome to our guide to 30% LTV mortgages. Here you will learn what rates are available for these mortgages, how to get the best deal and much more.
What is a 30% LTV mortgage?
A 30% LTV mortgage is a mortgage with a loan-to-value ratio of 30%, meaning that the loan covers this exact percentage of the property’s value or purchase price.
You would be in a position to secure a 30% LTV mortgage if you have a substantial deposit to put down (70%), or are remortgaging and have paid off 70% of your mortgage debt.
Borrowers with low LTV ratios like this are generally attractive to mortgage lenders and stand a good chance of being offered the lowest interest rates on the market.
Compare 30% LTV mortgage rates
The best mortgage rates on the market kick in at between 50% and 60% LTV, so needless to say, with a deposit of 70%, you will qualify for them as long as there are no other risk factors.
Our live rates service below shows the latest rates for 30% LTV mortgages and allows you to compare these deals in real time:
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A repayment mortgage of over year, APR %. Total payable (incl. product fees of ). Repayments: months at (%), then months at (%, variable). Early repayment charges apply. Rates not guaranteed.
About these rates
Rates shown are illustrative based on the property value, mortgage amount, and term you entered above. Actual rates and total cost depend on your credit profile, deposit, and lender assessment. APR figures include product fees where applicable. Early repayment charges may apply. Rates are not guaranteed and may change before you apply - speak to an adviser to confirm what's available to you today. For a per-product representative example, open Show full details on any card above.
Advantages of a 70% mortgage deposit
With a mortgage deposit/equity that covers 70% of the property’s value or purchase price, you will be in a strong position to secure a favourable deal on a mortgage or remortgage.
The benefits you could reap with a 30% loan-to-value ratio are as follows:
- Superior rates: Lenders tend to reserve their lowest mortgage rates for borrowers with high deposits or low LTVs (such as 30%).
- Borrow more: Your salary might stretch further if you are applying for a 30% LTV mortgage, compared to someone with a high LTV. This is because some lenders use a higher income multiple (5-6 times salary) for applicants with a deposit this high.
- Wider product choice: Some lenders only offer their longest fixed-rate mortgages and the interest-only repayment option for borrowers with low LTVs.
- Flexible features: There are lenders who offer greater flexibility to borrowers with very low LTVs, such as 30%. Features you could take advantage of include the option to make uncapped overpayments and take payment holidays.
- Higher approval chances: If there are risk factors to your application, such as bad credit, limited accounts (self-employed applicants), or non-standard construction on the property, putting down a deposit as large as 70% can help you get approved.
In addition, there is also the benefit of becoming mortgage free much quicker if you can put down a 70% deposit, compared to someone with a higher LTV.
Compare 30% LTV mortgage rates online for free
Buy-to-let mortgages
Although buy-to-let mortgages generally have higher rates and deposit requirements than residential, 30% LTV would be more than enough to access the best deals. Like with residential lending, the best rates tend to kick in at between 50% and 60% LTV.
With a deposit this high, buy-to-let mortgage applicants can:
- Get approved for higher risk property types, such as HMOs
- Secure a mortgage with no landlord experience
- Get a multi-property mortgage to cover a large portfolio
- Secure a holiday let mortgage
Many of the same benefits of high deposit residential mortgages - such as lower rates, relaxed affordability criteria and flexible features - will also apply here.
How much your mortgage will cost
You can work out how much the repayments on your 30% LTV mortgage will be by deducting your 70% deposit from the amount you need to borrow and entering the total into the calculator below, along with an interest rate, term length and repayment type:
Why choose Money Helpdesk for your mortgage needs?
Now that you have done your research, our brokers can compare 30% LTV rates and deals for you and offer bespoke advice on which to choose.
Here are just some of the reasons people choose to apply for a mortgage through us:
- We can access rates from across the market for you in seconds
- Our brokers have access to exclusive deals
- We are 5-star rated on leading review websites
- You can secure your agreement in principle in minutes
Ready to get your rates comparison and take advantage of a free, no-obligation chat with one of our mortgage brokers? Get started here.
FAQs
Yes. A mortgage deposit of 70% would be considered high and is more than enough to grant you access to the best deals on the market, assuming you are eligible for them.
The mortgage rates and deals available to you will be the same at 10% or 20% LTV compared to 30% LTV. This is because the best rates kick in at 50-60% LTV and don’t get any lower from that point. By putting in an extra 10-20% deposit, however, you would hold more equity in your property and be in a position to clear your mortgage debt sooner.