Since the onset of the pandemic, the higher LTV market has been particularly hard hit. With 90% and 95% lending disappearing almost entirely between April and September of 2020. When it made its comeback these products were still around twice as expensive as they were pre-pandemic. Thankfully the market has reemerged with all highstreet lenders now offering 90% lending and a handful offering 95%. As more lenders enter the market space the rates have slowly been coming back down and we hope this continues.