Is a 90% mortgage only for first time buyers?

No, 90% mortgages aren’t just for first time buyers. Home movers and even some remortgage customers may be eligible, depending on their equity and financial position.

What income do I need for a 90% LTV mortgage in Hull?

The income required depends on the property price and your other financial commitments. Most lenders offer around 4 to 4.5 times your annual income, but this varies. Our mortgage advisors in Hull can give a clearer idea based on your situation.

Can I get a 90% mortgage in Hull with bad credit?

Some lenders may still consider offering a 90% mortgage in Hull if you have mild or historic credit issues, although your choice of deals may be more limited. A mortgage broker in Hull like us can help you find lenders who are more flexible when it comes to credit history.

Are interest rates higher on 90% mortgages in Hull?

Rates on 90% mortgages can be slightly higher than those offered with larger deposits. That said, they’re often lower than 95% deals, so putting down a 10% deposit could offer better value over time.

Can I use a gifted deposit for a 90% mortgage in Hull?

Yes, many lenders accept gifted deposits for 90% mortgages, especially from close family members. You’ll usually need a letter confirming the funds are a gift and not a loan.

How long does it take to get a 90% mortgage in Hull approved?

Once you’ve submitted your documents, mortgage approval can take anywhere from a few days to a couple of weeks. Getting mortgage advice in Hull from our team can help speed things up, as we’ll make sure your application is accurate, complete, and sent to the right lender from the start.

Is a 90% mortgage better than a 95% mortgage in Hull?

A 90% mortgage usually offers lower interest rates and a wider choice of lenders than a 95% option. If you can save the extra 5%, it often makes your monthly payments more affordable in the long run.

90% LTV Mortgages in Hull | 10% Deposit Mortgages

What is a 90% LTV mortgage in Hull?

A 90% LTV mortgage in Hull means you’re borrowing 90% of the property’s value from a lender, while putting down a 10% deposit.

This type of mortgage is popular with home buyers who want to get on the property ladder with a smaller deposit.

Whether you’re buying your first home or moving within Hull, a 90% LTV mortgage can make homeownership more accessible without needing to save a large lump sum.

Can I get a 90% mortgage in Hull?

A 90% mortgage in Hull means you’ll need a 10% deposit, which is higher than the minimum 5% some lenders offer, but often gives access to better interest rates and a wider choice of deals.

If you’ve saved more than the minimum, putting down 10% could improve your chances of approval and reduce your monthly payments.

Our mortgage advisors in Hull can help you compare 90% options across the market and find a lender that suits your needs.

90% LTV mortgage advice in Hull

If you’re considering a 90% LTV mortgage in Hull, speaking with a mortgage advisor can make a real difference.

With access to a wide range of lenders, we can help you understand what’s available with a 10% deposit and how it compares to other options.

Whether you’re buying your first home or moving locally, as your mortgage broker in Hull we will take the time to find a deal that fits your situation and budget.

Speak to an Advisor

Important information

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.

90% Mortgage FAQs in Hull

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How Does The Process Work?

Speak With a Mortgage Advisor

Your first step is to book an appointment with one of our mortgage advisors in Hull.

We’ll talk through your plans, check your deposit amount, and give you an idea of what you could borrow with a 90% LTV mortgage.

1000s of Mortgage Deals

Once we understand your situation, we’ll compare thousands of mortgage deals across the market.

This includes lenders who offer 90% mortgages, so you get a clear view of what’s available with a 10% deposit.

Mortgage Application

When you’re ready to move forward, your mortgage advisor will handle the application process for you.

We’ll check your documents, deal with the lender, and keep everything on track to avoid delays.

Completion

After your mortgage offer is issued and your solicitor finishes the legal work, you’ll be ready to complete.

Whether you’re buying your first home or moving locally, we’ll be here to support you right through to the day you get your keys

Reasons to Choose Us

Free Initial Mortgage Appointment

Book your free initial mortgage appointment today, and speak with a mortgage advisor in Hull.

1000s of 90% Mortgage Deals

We search through a wide range of lenders to find 90% mortgages that suit your needs, including options that may not be available directly to the public.

End-to-End Support

We handle the process from start to finish, including paperwork, lender communication, and checking documents, so everything runs smoothly.

Trusted by First Time Buyers in Hull

Many first time buyers in Hull choose us for support with 90% mortgages.

Our straightforward, friendly service has helped hundreds of buyers take the next step.

Take a look at our 5 star reviews to see how others have valued our service.

Malcolm and Amy Davidson - Mortgage Advice in Newcastle

We Search 1000s of 90% Mortgage Deals in Hull

The Home Buying App

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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