A crucial way to do this is to consider the loan-to-value (LTV) ratio of their deposit. This could be the difference between a higher and lower interest rate on a mortgage, so should be taken into ...

However, if they haven’t remortgaged in a while and house prices have increased since their purchase, it could put them into a lower LTV band – meaning a better mortgage deal. It’s not a ...

Most importantly, from a financial perspective, mortgage lenders typically provide better terms when LTV ratios are no higher than 80% (meaning a down payment of at least 20%). What's more ...