Moneyfacts: record average LTV as 95% low-deposit product choice rises (October 2026 treasury report)

Created Nov 11, 2026 • AI-generated summary

Moneyfacts UK Mortgage Trends Treasury Report reported 11 November 2026: mortgage product choice at 95% LTV rose month-on-month in October to 24% of core deals, while 60% LTV choice fell to its lowest since March 2024. The Moneyfacts average LTV of a core mortgage product hit a record high of 79.31%, the highest since electronic records began in November 2011. Average fixed rates at 95% and 90% LTV rose further above 6%; average new mortgage rate rose 0.06pp from 5.83% to 5.89% at the start of November, a three-year high; average deal shelf-life rose to 17 days. Rachel Springall commented on low-LTV choice contraction amid rate uncertainty and the Your First Home scheme opening pre-registration next month. Membership limited to coverage of this specific October/November 2026 Moneyfacts treasury report.