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@deleted
I'm speculating a little, so please don't take this as gospel. It would be useful to speak directly to your lender or broker to confirm.
I guess that they could lend upto 90% or 95% of the stated market value, but the interest rate would then become less favourable, as the higher the LTV the worse the rate.
So to follow through with an example:
The stated value of the house is 100k, but you agree to pay 110k. The lender loans 90k, at 90% LTV and corresponding interest and you fund the gap of 20k via your deposit.
If you want to get the benefit of a 20% LTV, you would need to get the bank to accept the higher value. You would then be loaned 88k, fund 22k, but have the benefit of a lower interest rate.
This is all theoretical - you should speak to a broker. You will find a good one on line with a little research. I used London and County and can recommend but I don't know if they operate in Scotland.