HomeNewsMortgages Better rates and more choice for 90% LTV mortgage borrowers Published: 04/02/2021 Share The choice of mortgages for those needing a 90% loan-to-value (LTV) mortgage has improved in 2021 compared to the start of the pandemic, reaching 248 in February 2021. The number has grown every month for four months but is some distance from the pre-pandemic levels in 2019 of more than 700 products available every month. Borrowers will also find the average rates for 90% LTV mortgages are also improving, with two and five-year fixed rates both falling in February. The average 90% LTV mortgage rate is now 3.56% for a two year and 3.72% for a five year fixed deal. This is good news for borrowers, but average rates still have a way to go to reach their pre-pandemic 2020 lows of 2.57% and 2.91% for two and five year fixed rates respectively.