Number of high LTV mortgages on rise

September 14, 2025 by Brendan O'Neill

Lenders

The number of mortgages with high loan to value (LTV) available on the market has reached its highest level in almost two decades, according to the latest figures to be released.

These figures come from Moneyfacts and they show that there are currently 1,360 higher LTV mortgages on the market. The last time there was more of them than this was back in 2008, around the time of the financial crisis. What this means is that higher LTV loans now make up roughly 19% of the overall residential lending market, which is a significant market share for this type of mortgage.

When it comes to the different LTV tiers, products with 90% LTV make up the biggest share. There are 896 of those available at the moment, which is the most since March 2008. Back then, the number was 957. In terms of 95% LTV loans, the current number available is 464, whereas in March 2008 it was 575.

What the Moneyfacts research also reveals is there has been a rise in the overall number of mortgage products available, compared with last month. The number currently stands at 7,062, which is the highest it has been since October 2007.

Rachel Springall from Moneyfacts said this was good news. She then went on to point out that major issues remain though, particularly in terms of product affordability.

This is certainly something that those with CeMAP mortgage advisor training will be aware of, but more products still represents a welcome development.