Mortgage Press Ads

There's a fair few of them about now. But before I get all excited about the rates they offer, I'm quick to check out the LTV. That's loan to value, I believe. The percentage of the overall price of the house the banks are willing to lend you. Seems I'm picking up a lot of the lingo during this house search. Nearly all the ads are only relevant if you can pay at least a 30% deposit. That's 60 grand on the type of property I'm looking at. Loose change of course. Where do I sign?