Second-time buyers haven’t been left entirely in the cold regarding the new mortgage lending rules.No longer will you have to stump up for a whopping 20% deposit!Second-time buyers will only need a 10% deposit for their next home as the maximum LTV (loan to value) mortgage moves from 80% to 90%.However, your borrowings are still capped at 3.5 times your income for unless you’re a member of the 15% cozy cartel that can get a bit more.It’s not a massive change, but it will make it easier if you want to upgrade your home to something a little roomier.That said, buy-to-let buyers are still in the same boat as before, with their LTV limit still set at 70. In simpler language, (if you’re buying a property to rent out, you need to bring a tasty 30% deposit to the table).Here’s a pretty picture explaining things.