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A 90% Loan to Value (LTV) mortgage is a type of mortgage where the lender provides 90% of the property’s value, meaning you would need a 10% deposit to secure the loan. In Manchester, these mortgages are popular among first-time buyers and those with limited savings, as they allow you to enter the housing market with a smaller deposit.
For example, if you’re purchasing a property in Manchester valued at £250,000, a 90% LTV mortgage would require a £25,000 deposit, with the lender covering the remaining £225,000 through the mortgage.
If you are looking for 90% mortgage advice in Manchester or want to ask our experts a question, don’t hesitate to get in touch. Your first mortgage appointment is completely free, so make sure to take advantage of this opportunity and set yourself on the path to owning your dream home!
Whether you can get a 90% mortgage in Manchester or not will depend on several factors including:
Interest rates on 90% mortgages tend to be lower than 95% deals due to the lower loan-to-value (LTV). This is because mortgage lenders see less risk when lending to an applicant with a 10% deposit. As a mortgage broker in Manchester, it’s our job to find you the best 90% LTV mortgage product for your individual situation.
Our mortgage advice service is designed to guide you through every step of the mortgage process, offering tailored support to match your unique financial situation. We compare thousands of mortgage deals from a wide range of lenders to find the most suitable options, whether you’re a first time buyer in Manchester, moving home, or remortgaging.
Our team of dedicated mortgage advisors in Manchester will simplify the complexities, ensuring you understand your choices and feel confident in your decisions.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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When you book your free initial mortgage appointment, you’ll have the opportunity to speak with a mortgage advisor in Manchester.
You can book your free initial mortgage appointment online or by giving a member of the team a call!
During your free initial mortgage appointment, our team of mortgage advisors in Manchester will ask you a series of questions to try and find the most suitable mortgage option for you.
We will also obtain your mortgage agreement in principle (AIP). Armed with the AIP, you can confidently make offers on properties.
Our team will search through 1000s of mortgages to find the perfect 90% mortgage deal for you in Manchester.
Once you are happy with the mortgage product we have found you and you have had an offer on a property accepted, we can begin the mortgage application process!
From here in the process, you will work alongside a dedicated case manager. They will make sure that you have all of the correct documents at the ready to support your mortgage application.
Once we are ready, we can send your mortgage application off to the mortgage lender. All that is left to do now is to wait for the response back.
Contact us and arrange a free initial mortgage appointment with one of our mortgage advisors in Manchester at your convenience.
During this appointment, your expert mortgage advisor in Manchester will guide you through the mortgage process, answering all your burning questions and understanding your unique circumstances. We believe in providing personalised solutions that align with your financial goals.
We pride ourselves on our ability to find the most suitable mortgage deals by scouring through a vast selection of options. As a first time buyer in Manchester, our main objective is to secure the most suitable deal that caters to your specific circumstances.
Our mission goes beyond simply finding you the ideal mortgage; our dedicated team is here to provide unwavering support throughout the entire process.
As your mortgage broker in Manchester, we offer a personalised and supportive service, understanding each client’s unique needs and providing tailored solutions.
We understand the excitement and challenges that come with buying your first home, and we are here to support you every step of the way. Life is full of milestones, and we are passionate about helping you achieve this significant one.
Our team of experienced mortgage advisors in Manchester are available day and night, ready to provide you with the reliable 90% mortgage advice in Manchester you need. No matter the time, we are just a phone call away, ensuring that you can reach us at your own convenience.
With our dedicated team by your side, you can trust that you are in good hands. We are committed to helping you find the most suitable mortgage solution that suits your needs.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Manchestermoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Manchestermoneyman 2009–2026
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Manchestermoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Manchestermoneyman 2009–2026
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