85% LTV Mortgages - Best Mortgage Rates | moneyfacts.co.uk

85% LTV Mortgages

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Rate APRC Mortgage Type Product Fees Initial Monthly Payment Total Amount Repayable Apply Today

0.98% reverting to 4.74% 4.2% Discounted Variable to 30/04/2019 £1,495 £563.95 £242,794 Details...
Representative Example: 27 monthly payments of £563.95 and 273 monthly payments of £826.73. Total interest of £90,924, valuation fees of £235 and product fees of £1495.

1.15% reverting to 4.74% 4.2% Discounted Variable to 30/04/2019 £995 £575.55 £243,003 Details...
Representative Example: 27 monthly payments of £575.55 and 273 monthly payments of £828.18. Total interest of £91,633, valuation fees of £235 and product fees of £995.

1.18% reverting to 3.69% 3.4% Fixed to 2 Years £1,450 £577.61 £222,971 Details...
Representative Example: 24 monthly payments of £577.61 and 276 monthly payments of £750.95. Total interest of £71,125, valuation fees of £197 and product fees of £1450.

1.19% reverting to 4.49% 4.0% Fixed to 30/04/2019 £1,589 £578.30 £238,244 Details...
Representative Example: 27 monthly payments of £578.30 and 273 monthly payments of £809.22. Total interest of £86,531, valuation fees of £0 and product fees of £1589.

1.19% reverting to 4.49% 4.0% Fixed to 02/05/2019 £999 £578.30 £237,665 Details...
Representative Example: 28 monthly payments of £578.30 and 272 monthly payments of £808.34. Total interest of £86,061, valuation fees of £330 and product fees of £999.

1.19% reverting to 4.49% 4.0% Fixed to 02/05/2019 £999 £578.30 £237,665 Details...
Representative Example: 28 monthly payments of £578.30 and 272 monthly payments of £808.34. Total interest of £86,061, valuation fees of £330 and product fees of £999.

1.19% reverting to 3.74% 3.4% Variable to 28/02/2019 £995 £578.30 £223,277 Details...
Representative Example: 25 monthly payments of £578.30 at a tracker rate of 1.19% and 275 monthly payments of £754.09. Total interest of £71,832, valuation fees of £400 and product fees of £995.

1.21% reverting to 4.74% 4.2% Fixed to 30/04/2019 £1,495 £579.68 £243,754 Details...
Representative Example: 27 monthly payments of £579.68 and 273 monthly payments of £828.69. Total interest of £91,884, valuation fees of £235 and product fees of £1495.

1.22% reverting to 4.74% 4.2% Fixed to 30/04/2019 £1,695 £580.37 £243,994 Details...
Representative Example: 27 monthly payments of £580.37 and 273 monthly payments of £828.77. Total interest of £91,924, valuation fees of £235 and product fees of £1695.

1.22% reverting to 5.99% 5.3% Variable to 30/04/2019 £1,499 £580.37 £271,278 Details...
Representative Example: 27 monthly payments of £580.37 at a tracker rate of 1.22% and 273 monthly payments of £928.88. Total interest of £119,254, valuation fees of £290 and product fees of £1499.

1.22% reverting to 5.99% 5.3% Variable to 30/04/2019 £1,499 £580.37 £271,278 Details...
Representative Example: 27 monthly payments of £580.37 at a tracker rate of 1.22% and 273 monthly payments of £928.88. Total interest of £119,254, valuation fees of £290 and product fees of £1499.

1.22% reverting to 4.24% 3.9% Fixed to 31/01/2019 £1,495 £580.37 £234,783 Details...
Representative Example: 24 monthly payments of £580.37 and 276 monthly payments of £792.77. Total interest of £82,733, valuation fees of £310 and product fees of £1495.

1.22% reverting to 5.99% 5.3% Variable to 30/04/2019 £1,499 £580.37 £271,278 Details...
Representative Example: 27 monthly payments of £580.37 at a tracker rate of 1.22% and 273 monthly payments of £928.88. Total interest of £119,254, valuation fees of £290 and product fees of £1499.

1.23% reverting to 4.74% 4.3% Fixed to 2 Years £1,495 £581.06 £245,474 Details...
Representative Example: 24 monthly payments of £581.06 and 276 monthly payments of £831.68. Total interest of £93,489, valuation fees of £350 and product fees of £1495.

1.23% reverting to 4.49% 4.0% Fixed to 30/04/2019 £1,589 £581.06 £238,406 Details...
Representative Example: 27 monthly payments of £581.06 and 273 monthly payments of £809.54. Total interest of £86,693, valuation fees of £0 and product fees of £1589.
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Disclaimer:

Credit will be secured by a mortgage on your property. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Written quotations are available from individual lenders. Loans are subject to status and valuation and are not available to persons under the age of 18. All rates are subject to change without notice. Please check all rates and terms with your lender or financial adviser before undertaking any borrowing.

 

What does LTV mean?

The LTV (or loan-to-value) of a mortgage refers to the amount of loan you’re looking for in relation to the value of the property. It reflects the proportion of the property that’s mortgaged and the part that’s yours (also known as your equity), and is always written as a percentage figure.

So, if you were seeking a mortgage at 85% LTV, you’d have a loan that’s worth 85% of the value of your property. Effectively, this means that 85% of the property will be mortgaged, and you’d own 15%.

The figure also determines the deposit you’ll need. A mortgage at 85% LTV would mean you’d need to put down a deposit of 15%, whereas if you sought a mortgage at a lower or higher LTV, the deposit requirements would change accordingly.

 

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