Changing LTV band

[MrConal]

I'm a first time buyer looking to buy in the next few months. Given the house prices I'm looking at I'll probably have an LTV of >80% but if it takes a few months longer the extra savings might bring it under 80%.

My question is - is it possible to overpay a new mortgage to bring the LTV down below 80% and then switch to the better rate for that LTV band (ideally without re-mortgaging)?

Thanks

 

[SS expert]

Only with Ulster Bank as far as I'm aware