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

85% LTV Mortgages

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Searching all 5734 mortgages, the following best match your search criteria and are displayed in order of lowest initial rate.

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

1.67% reverting to 4.74% 4.3% Discounted Variable to 2 Years £699 £866.94 £348,488 Details...
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Representative Example: 24 monthly payments of £866.94 and 276 monthly payments of £1182.80. Total interest of £134,759, valuation fees of £330 and product fees of £699.

1.67% reverting to 4.69% 4.9% Fixed to 31/03/2021 £1,999 £866.94 £370,792 Details...
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Representative Example: 26 monthly payments of £866.94, 36 monthly payments of £1174.96 and 238 monthly payments of £1276.07. Total interest of £156,044, valuation fees of £0 and product fees of £1999.

1.68% reverting to 4.74% 4.4% Fixed to 31/12/2020 £1,495 £867.95 £349,685 Details...
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Representative Example: 23 monthly payments of £867.95 and 277 monthly payments of £1184.05. Total interest of £135,445, valuation fees of £0 and product fees of £1495.

1.69% reverting to 4.24% 3.9% Fixed to 28/02/2021 £995 £868.97 £332,848 Details...
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Representative Example: 25 monthly payments of £868.97 and 275 monthly payments of £1126.83. Total interest of £119,103, valuation fees of £200 and product fees of £995.

1.69% reverting to 4.19% 3.8% Fixed to 30/04/2021 £999 £868.97 £330,159 Details...
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Representative Example: 27 monthly payments of £868.97 and 273 monthly payments of £1119.59. Total interest of £116,610, valuation fees of £0 and product fees of £999.

1.69% reverting to 4.49% 4.1% Fixed to 31/03/2021 £995 £868.97 £339,699 Details...
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Representative Example: 26 monthly payments of £868.97 and 274 monthly payments of £1153.14. Total interest of £126,054, valuation fees of £0 and product fees of £995.

1.69% reverting to 4.49% 4.1% Fixed to 31/03/2021 £995 £868.97 £339,699 Details...
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Representative Example: 26 monthly payments of £868.97 and 274 monthly payments of £1153.14. Total interest of £126,054, valuation fees of £0 and product fees of £995.

1.69% reverting to 4.25% 4.3% Fixed to 31/03/2021 £995 £868.97 £349,798 Details...
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Representative Example: 26 monthly payments of £868.97, 36 monthly payments of £1126.99 and 238 monthly payments of £1199.57. Total interest of £136,163, valuation fees of £0 and product fees of £995.

1.72% reverting to 4.24% 3.9% Variable to 2 Years £999 £872.01 £333,399 Details...
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Representative Example: 24 monthly payments of £872.01 at a tracker rate of 1.72% and 276 monthly payments of £1128.05. Total interest of £119,770, valuation fees of £0 and product fees of £999.

1.73% reverting to 4.25% 4.3% Fixed to 31/03/2021 £1,295 £873.02 £350,560 Details...
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Representative Example: 26 monthly payments of £873.02, 36 monthly payments of £1127.41 and 238 monthly payments of £1200.02. Total interest of £136,390, valuation fees of £235 and product fees of £1295.

1.74% reverting to 4.25% 4.3% Variable to 31/05/2021 £995 £874.04 £348,783 Details...
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Representative Example: 28 monthly payments of £874.04 at a tracker rate of 1.74%, 36 monthly payments of £1125.69 and 236 monthly payments of £1197.67. Total interest of £135,148, valuation fees of £0 and product fees of £995.

1.74% reverting to 4.24% 3.9% Fixed to 30/04/2021 £999 £874.04 £331,995 Details...
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Representative Example: 27 monthly payments of £874.04 and 273 monthly payments of £1125.52. Total interest of £118,366, valuation fees of £0 and product fees of £999.

1.74% reverting to 4.19% 3.8% Fixed to 30/04/2021 £1,094 £874.04 £330,539 Details...
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Representative Example: 27 monthly payments of £874.04 and 273 monthly payments of £1120.13. Total interest of £116,895, valuation fees of £0 and product fees of £1094.

1.74% reverting to 4.24% 3.9% Fixed to 2 Years £999 £874.04 £333,423 Details...
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Representative Example: 24 monthly payments of £874.04 and 276 monthly payments of £1128.25. Total interest of £119,874, valuation fees of £0 and product fees of £999.

1.74% reverting to 4.99% 4.5% Fixed to 28/02/2021 £999 £874.04 £355,848 Details...
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Representative Example: 25 monthly payments of £874.04 and 275 monthly payments of £1210.45. Total interest of £142,225, valuation fees of £0 and product fees of £999.
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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.

Written by: Leanne Macardle, last updated: 23/07/2018

 

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