More information about buying your own home with a 10% deposit

90% LTV mortgages

What is a 90% mortgage?

  • A 90% mortgage, also known as a 90% loan-to-value (LTV) mortgage, is a mortgage to purchase or remortgage a property with a 10% mortgage deposit. 
  • Your mortgage deposit is the amount of money that you need to pay upfront for a property purchase. It combines with your mortgage to make up 100% of the final purchase price.
Information Message

NatWest are now offering 91-95% LTV mortgages

Can I get a 90% LTV mortgage?

Our mortgages are available to over 18s. Beyond this, the amount of money we may be able to lend you will depend on various factors.

  • We have to assess the likelihood that you would be able to meet your mortgage payments for the term of the mortgage - we call this 'affordability'.
  • If you want to learn more about how much you may be able to borrow, the best place to start is our mortgage calculator.

Frequently asked 90% mortgage questions

How can I apply for a 90% LTV mortgage?

You can apply for a NatWest mortgage online or via phone or video call, depending on your circumstances and what works best for you.

You can learn more about the different ways to apply with us.

Can I get a 90% LTV mortgage for a buy-to-let property?

No, not with NatWest. The highest LTV we currently offer for a buy-to-let mortgage is 75% (65% for new build properties or flats).

This means you would need to pay a deposit of at least 25% of the final purchase price of the property.

Can I get a higher than 90% LTV mortgage?

Yes, we currently offer mortgages with as little as 5% deposit (95% LTV mortgage), although terms and eligibility criteria apply.

Do we offer 90% mortgages for first time buyers?

Yes, first time buyers are eligible to apply for our 90% mortgage products. 10% is a relatively common deposit amount for many first time buyers in the UK. Find out more about our first time buyer mortgages.

Time for an Agreement in Principle?

Want a personalised indication of how much you may be able to borrow? Get a free, no obligation Agreement in Principle in less than 10 minutes.

What does 'LTV' mean?

It means 'loan-to-value' and is the percentage of the property's value being covered by the mortgage.

If your mortgage is £200,000, and your property is valued at £250,000, your LTV is 80%. 

LTV is a percentage figure that reflects the borrowing amount versus the total value of the property. The difference between the mortgage amount and the value of your property is usually referred to as your home equity - in the example above, the equity in the property would be £50,000.

Buying your first home?

It can be daunting when you are looking to buy your first home. There are lots of things to think about and consider.

Why not take a look at our first time buyer information to help get you on the path to buying your own home?