![]() 95% mortgages are only available on residential properties with a loan size up to £500,000. The maximum amount we'll lend depends on your personal circumstances, the property you're looking to buy and the type of mortgage you choose.You can make additional payments and overpayments (subject to conditions).Please think carefully about choosing a term and monthly repayment that suits you. This confirms your eligibility and gives you an idea of how much you can borrow. Spreading your repayments over a longer term could reduce the amount you pay each month, but you'll pay more back overall. The first step to getting a mortgage is applying for a Decision in Principle. ![]() ![]() The LTV calculation would be £190,000 divided by £200,000 x 100, so your LTV ratio would be 95%. Effective from 1st to 10th June 2023, the Decision in Principle (DIP) tool will undergo a scheduled system maintenance. For example: if your purchase price is £200,000 and you have a £10,000 deposit, you would need to borrow £190,000.
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