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Last updated Aug 5, 2026
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First Time Buyer
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Loan to Value Explained for First-Time Buyers

Loan to Value Explained for First-Time Buyers

Loan-to-value, or LTV, is the ratio of the mortgage amount to the property's value, expressed as a percentage. It is one of the most important variables in a UK mortgage application because lenders price products in LTV bands and use the ratio as a key indicator of risk. A first-time buyer with a 1

16 Jun 2026 · 10 min read
First-Time Buyer Deposit Explained

First-Time Buyer Deposit Explained

A first-time buyer deposit is the share of a property purchase price paid in cash by the buyer, with the rest covered by a mortgage. The size of the deposit drives the loan-to-value ratio, which in turn shapes the interest rate available, the range of lenders willing to lend, and the resilience of

16 Jun 2026 · 11 min read
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