Reduced availability of 95% loan to value (LTV) mortgages is a key driver in declining home ownership rates across the UK. This makes it especially difficult for first time buyers, exacerbating intergenerational and regional unfairness. Market Mortgage was founded in 2017 to tackle this issue. We make it easier for high street lenders to offer high LTV mortgages, giving creditworthy buyers access to the housing market when they can comfortably afford mortgage payments but just don’t have a big deposit. By bringing together retail lenders with the financial backing of investment banks, we help high street mortgage lenders offer high LTV mortgages at scale, speed, and reduced risk whilst avoiding additional cost and risk to the taxpayer. Alongside its key shareholder, Capita plc, Market Mortgage has developed the business into an attractive commercial proposition for mortgage lenders and investors. By removing the need for prohibitively high deposits, our market-based solution is built to enable homeownership for the next generation of first time buyers. Market Mortgage is not a lender or a regulated credit broker. Market Mortgage does not lend to or otherwise deal with mortgage borrowers..