Mortgages.direct | 85% LTV Mortgages

Reason for mortgage

Property value

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This makes our LTV . Invalid LTV.

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More than 5 years
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Call Virgin Money 0330 057 1528

Fixed Sep-2021 From Virgin Money

Initial rate 2.09% Sep-2021

Maximum LTV 90%

Overall cost of comparison 4.5% APRC

See deal

£500 Cashback

£500 Cashback with this 10% Deposit Deal from Virgin Money

Fees

Arrangement fee

£995.00

Valuation fee

£188.00

Cashback

£500.00

Additional information

None.

The total cost of a £170,000 mortgage over 25 years is £286,228, including £1,213 of fees. More information on this mortgage

Call NatWest 0800 068 8567

Fixed Oct-2021 From NatWest

Initial rate 1.70% Oct-2021

Maximum LTV 85%

Overall cost of comparison 4% APRC

See deal

Fees

Arrangement fee

£995.00

Valuation fee

£248.00

Cashback

£250.00

Additional information

None.

The total cost of a £170,000 mortgage over 25 years is £265,678, including £1,273 of fees. More information on this mortgage

Call Royal Bank Of Scotland 0800 068 7706

Fixed Oct-2021 From Royal Bank Of Scotland

Initial rate 1.70% Oct-2021

Maximum LTV 85%

Overall cost of comparison 4% APRC

See deal

Fees

Arrangement fee

£995.00

Valuation fee

£248.00

Cashback

£250.00

Additional information

None.

The total cost of a £170,000 mortgage over 25 years is £265,695, including £1,273 of fees. More information on this mortgage

Call Post Office 0808 178 6813

Fixed Sep-2021 From Post Office

Initial rate 1.78% Sep-2021

Maximum LTV 85%

Overall cost of comparison 4.3% APRC

See deal

Fees

Arrangement fee

£995.00

Valuation fee

No fee

Cashback

£500.00

Additional information

None.

The total cost of a £170,000 mortgage over 25 years is £278,155, including £1,205 of fees. More information on this mortgage

Call Virgin Money 0330 057 1528

Fixed Sep-2021 From Virgin Money

Initial rate 1.93% Sep-2021

Maximum LTV 85%

Overall cost of comparison 4.4% APRC

See deal

Fees

Arrangement fee

£995.00

Valuation fee

£188.00

Cashback

£300.00

Additional information

None.

The total cost of a £170,000 mortgage over 25 years is £285,692, including £1,213 of fees. More information on this mortgage

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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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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Mortgages Direct provides an independent mortgage quotes and advice service. When you submit this form you will be contacted by a regulated mortgage adviser to discuss your options.

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.

Latest 85% LTV Mortgage offers:

Royal Bank of Scotland are currently offering £250 Cashback for first time buyers

RBS Mortgages offers 85% LTV mortgages purchasing a residential property. Call RBS FREE on 0800 096 7447 to discuss how you could buy your next home with a 15% deposit.

Post Office offer a great range of mortgage offers - Click here »

Many lender websites have useful information on getting a mortgage for the first time or where you have a low deposit. See some of the links above or check out the Post Office for information on 85% LTV mortgage deals.