In many cases, yes. A lower loan-to-value (LTV) reduces the lender’s risk, which can widen your choice of lenders and improve how smoothly the case runs — particularly for larger loans, complex income, or unusual properties. It can also provide a buffer if the valuation comes in slightly under the purchase price, which is more common on unique or high-value homes with fewer comparable sales.
A lower LTV can be helpful because some lenders reduce maximum LTV as property value or loan size increases. If your deposit is strong, you may access lender tiers that simply aren’t available at higher LTVs. It can also make certain structures (such as interest-only or part-and-part) more achievable, because lenders often tighten criteria as LTV rises.
That said, lower LTV doesn’t remove the need for affordability and evidence. Lenders still assess your ability to maintain payments under stress testing and will still perform source of funds and source of wealth checks — especially where the deposit is large, comes from overseas, or involves complex ownership structures.
Many high net worth borrowers choose to borrow less than the maximum available to keep the application clean, protect future options, or preserve flexibility for business and investment activity. The right LTV is a strategic decision based on total cost, liquidity preferences, and how you want the mortgage structured.
Hearthstone Mortgages is a trading name of Hearthstone Advisory Limited (Company Number 10563329) and is authorised and regulated by the Financial Conduct Authority (FCA Reference Number 945282).
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