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85 LTV Mortgages

Our Best 85% LTV Mortgage Deals

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85% LTV Mortgages

    • 4.20% Initial
    • 2 year fixed
    • 7.1% APRC
    • Cashback £0
      Free Legals
      Free Valuation
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    • 4.21% Initial
    • 5 year fixed
    • 6.3% APRC
    • Cashback Max £250
      Free Legals
      Free Valuation
    • Get quotes
    • 4.24% Initial
    • 5 year fixed
    • 5.8% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.24% Initial
    • 5 year fixed
    • 6.4% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.25% Initial
    • 5 year fixed
    • 6.1% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.25% Initial
    • 3 year fixed
    • 6.7% APRC
    • Cashback Max £300
      Free Legals
      Free Valuation
    • Get quotes
    • 4.25% Initial
    • 5 year fixed
    • 6.2% APRC
    • Cashback Max £500
      Free Legals
      Free Valuation
    • Get quotes
    • 4.26% Initial
    • 5 year fixed
    • 6.5% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.29% Initial
    • 5 year fixed
    • 6% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.29% Initial
    • 5 year fixed
    • 6.2% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes

Representative example based on a fixed rate mortgage

A mortgage of £375,000 payable over 20 years initially on a fixed rate for 5 years at 4.38% and then at the standard variable rate of 7.65% for the remaining 15 years would require 60 monthly payments of £2,351.88 and then 180 monthly payments of £2,899.55.

The total amount payable would be £663,156.80 which includes interest and product fees of £1,124.

The overall cost for comparison is 6.5% APRC representative.

Early repayment charges may apply.

How To Get A 85% LTV Mortgage

Not all lenders offer 85% loan to value (LTV) mortgages and those that do have set criteria to determine whether they are happy to lend on this basis.

The good news is that in recent years a number of lenders have relaxed their criteria for this type of lending.

Things to be mindful of include:

  • Lenders will charge you a higher rate on interest on your mortgage if you have a 15% deposit. If you can get your deposit up to 20% this will help get the cost of borrowing down.
  • While most lenders will be happy to lend if you have a 15% deposit, their decision to lend will be based on affordability criteria so factors such as your income, previous credit record and the amount you wish to borrow.

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We can help you find the best 85% mortgages on the market.

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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