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The loan to value ratio plays a major role in determining which remortgage deals are available to homeowners. LTV measures the amount borrowed against the value of a property and is expressed as a percentage. A borrower with a 50% LTV generally presents less risk than someone with a 90% LTV. As a result, lenders may reward lower-risk applicants with more competitive remortgage rates. Anyone comparing the best remortgage deals should understand how lenders use LTV to price mortgage products and assess applications. This knowledge can also explain why remortgage opportunities vary between borrowers. Many homeowners turn to smartcitymortgages co uk when searching for reliable remortgage information and comparing remortgage deals & rates.

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