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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.
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This guide explains when it might be the right time to remortgage.
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There’s a wide selection of 80% LTV (loan-to-value) remortgage deals out there – but how to find best one for you? Well, to start with, let’s explain this 80% LTV business. Loan-to-value is a measure of how much equity you have in a property (i.e. how much you own) or, if you are buying a new house, the amount of deposit you have. For an 80% LTV deal you need to own 20% or more of your property or be able to put up a 20% deposit as a minimum. If you meet these criteria then we can help you find the best mortgage deals!
Finding an 80% LTV deal is easy with Moneyfacts.co.uk. You’ll instantly be presented with the best deals available based on a generic search, or for a more personalised view, just pop the necessary details in the comparison engine and hit the ‘Revise Search’ button – your results will be given below. At the top of the comparison table you’ll find some great deals from providers where you can click through directly to their website to learn more or apply. Next are the other mortgage products listed with the lowest interest rates toward the top and increasing as you move down.
Picking the right deal for you isn’t simply a matter of choosing the lowest rate. Different providers will offer varying additional costs and benefits which you must weigh carefully against the rate being offered. It’s not unusual for people to choose a mortgage that hasn’t got the lowest interest rate but offers benefits they value – such as cashback or free valuation and legal fees. Take time to consider each deal carefully before making your decision.
