A 50% Loan-to-Value (LTV) ratio is a financial metric employed by lenders to represent the proportion of a loan in relation to the value of the acquired asset https://www.ascotmortgages.co.uk/mortgages/types-of-mortgage/50-ltv-mortgages/ . Put simply, LTV gauges the amount of money borrowed against the property's value that you intend to purchase. Opting for a 50% LTV mortgage means securing a loan equivalent to half of the property's value and providing a 50% down payment yourself.

To illustrate, if you're acquiring a property valued at £400,000, a 50% LTV mortgage would necessitate the following:

Deposit: Submitting a £200,000 deposit (50% of the property value)
Loan: Securing the remaining £200,000 (50% of the property value) from a lender.