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Compare 85% LTV mortgages

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You have a 85% loan-to-value (LTV). We found 867 results for you
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Hinckley & Rugby Building Society 2 year discount cashback remortgage

Initial rate
1.75% for 2 years
Fees
£699
APRC
4.9% overall cost
Monthly cost
£980.06 for 60 months
Representative example:

Repayment mortgage of £238,000 over 25 years, representative APRC 4.9%. Repayments: 24 months of £980.06 at 1.75% (discount), then 36 months of £1,263.75 at 4.24% (discount), then 240 months of £1,450.44 at 5.89% (variable). Total amount payable £417,821.04 which includes interest of £179,122.04. Arrangement Fee (£199) paid upfront. Completion Fee (£500) with an option to add to the loan. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at application: 80 years

Max age at term end: 85 years

Minimum income £10,000

Remortgage only.

Additional criteria may apply.

Platform 2 year fixed cashback mortgage

Initial rate
1.82% until 30 Sep 2023
Fees
£999
APRC
4% overall cost
Monthly cost
£988.05 for 26 months
Representative example:

Repayment mortgage of £238,000 over 25 years, representative APRC 4%. Repayments: 26 months of £988.05 at 1.82% (fixed), then 274 months of £1,274.71 at 4.34% (variable). Total amount payable £375,958.84 which includes interest of £136,959.84. Product Fee (£999) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Wales

Are older than 18 years

Max age at term end: 75 years

Minimum income £15,000

Available via brokers only.

Additional criteria may apply.

Barclays 2 year fixed remortgage

Initial rate
1.94% until 31 Aug 2023
Fees
£999
APRC
3.4% overall cost
Monthly cost
£1001.84 for 25 months
Representative example:

Repayment mortgage of £238,000 over 25 years, representative APRC 3.4%. Repayments: 25 months of £1,001.84 at 1.94% (fixed), then 275 months of £1,186.96 at 3.59% (variable). Total amount payable £352,459.00 which includes interest of £113,460.00. Product Fee (£999) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 70 years

Remortgage only.

Additional criteria may apply.

Barclays 2 year fixed cashback remortgage

Initial rate
1.94% until 31 Aug 2023
Fees
£999
APRC
3.4% overall cost
Monthly cost
£1001.84 for 25 months
Representative example:

Repayment mortgage of £238,000 over 25 years, representative APRC 3.4%. Repayments: 25 months of £1,001.84 at 1.94% (fixed), then 275 months of £1,186.96 at 3.59% (variable). Total amount payable £352,459.00 which includes interest of £113,460.00. Product Fee (£999) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 70 years

Remortgage only.

Additional criteria may apply.

Hinckley & Rugby Building Society 2 year fixed cashback remortgage

Initial rate
1.95% for 2 years
Fees
£199
APRC
4.9% overall cost
Monthly cost
£1002.99 for 60 months
Representative example:

Repayment mortgage of £238,000 over 25 years, representative APRC 4.9%. Repayments: 24 months of £1,002.99 at 1.95% (fixed), then 36 months of £1,265.90 at 4.24% (discount), then 240 months of £1,452.91 at 5.89% (variable). Total amount payable £418,541.56 which includes interest of £180,342.56. Arrangement Fee (£199) paid upfront. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at application: 80 years

Max age at term end: 85 years

Minimum income £10,000

Remortgage only.

Additional criteria may apply.

Leeds Building Society 2 year fixed

Initial rate
1.97% until 31 Oct 2023
Fees
£999
APRC
4.5% overall cost
Monthly cost
£1005.30 for 63 months
Representative example:

Repayment mortgage of £238,000 over 25 years, representative APRC 4.5%. Repayments: 27 months of £1,005.30 at 1.97% (fixed), then 36 months of £1,239.28 at 4.04% (discount), then 237 months of £1,376.34 at 5.29% (variable). Total amount payable £398,948.76 which includes interest of £159,949.76. Product Fee (£999) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 85 years

Additional criteria may apply.

Nationwide 3 year fixed cashback remortgage

Initial rate
1.99% for 3 years
Fees
£999
APRC
3.3% overall cost
Monthly cost
£1007.62 for 36 months
Representative example:

Repayment mortgage of £238,000 over 25 years, representative APRC 3.3%. Repayments: 36 months of £1,007.62 at 1.99% (fixed), then 264 months of £1,180.60 at 3.59% (variable). Total amount payable £348,951.72 which includes interest of £109,952.72. Product Fee (£999) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 75 years

Remortgage only.

This mortgage is available for new builds only on the Help to Buy Equity loan scheme.

Additional criteria may apply.

Nationwide 3 year fixed cashback remortgage

Initial rate
1.99% for 3 years
Fees
£999
APRC
3.3% overall cost
Monthly cost
£1007.62 for 36 months
Representative example:

Repayment mortgage of £238,000 over 25 years, representative APRC 3.3%. Repayments: 36 months of £1,007.62 at 1.99% (fixed), then 264 months of £1,180.60 at 3.59% (variable). Total amount payable £348,951.72 which includes interest of £109,952.72. Product Fee (£999) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 75 years

Remortgage only.

Additional criteria may apply.

Nationwide 3 year fixed remortgage

Initial rate
1.99% for 3 years
Fees
£999
APRC
3.3% overall cost
Monthly cost
£1007.62 for 36 months
Representative example:

Repayment mortgage of £238,000 over 25 years, representative APRC 3.3%. Repayments: 36 months of £1,007.62 at 1.99% (fixed), then 264 months of £1,180.60 at 3.59% (variable). Total amount payable £348,951.72 which includes interest of £109,952.72. Product Fee (£999) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 75 years

Remortgage only.

Additional criteria may apply.

Nationwide 3 year fixed remortgage

Initial rate
1.99% for 3 years
Fees
£999
APRC
3.3% overall cost
Monthly cost
£1007.62 for 36 months
Representative example:

Repayment mortgage of £238,000 over 25 years, representative APRC 3.3%. Repayments: 36 months of £1,007.62 at 1.99% (fixed), then 264 months of £1,180.60 at 3.59% (variable). Total amount payable £348,951.72 which includes interest of £109,952.72. Product Fee (£999) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 75 years

Remortgage only.

This mortgage is available for new builds only on the Help to Buy Equity loan scheme.

Additional criteria may apply.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Frequently asked questions

85% LTV mortgage are on the higher end of the loan-to-value mortgage scale, but that are far more common than 95% or 100% LTV mortgages, but how do they work and what should you be aware of?

What is 85% loan-to-value

An 85% loan-to-value mortgage means your total borrowing is 85% of your property value. The remaining 15% is the deposit you put forward.

A higher loan-to-value ration typically means higher interest rates, as the lender takes on a greater risk.

It is also more expensive for the borrower over the lifetime of the mortgage as not only is the interest rate higher, but the total amount to be paid back is also higher.

Therefore an 85% mortgage will usually be more expensive than an 80% mortgage of the same amount, but cheaper than a 90% mortgage.

Can I afford 85% loan-to-value?

What you can afford from a mortgage is largely determined by what you can afford to put forward as a deposit and what you can afford to pay back each month, but not exclusively.

When taking out a mortgage you should always leave yourself some wiggle room – typically 5% to 10% is advised – to account for extra and unexpected costs.

For instance, if you property is over the threshold you will have to pay stamp duty. There are also solicitor and mortgage arrangement fees to consider, as well any potential repairs you may have to undertake (such as repairing a boiler or a leaky roof).

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