85% LTV Secured Loans
Get the best deal on 85% LTV loans from our award winning loan experts. We promise you wont find a better deal elsewhere.
Homeowners - Our award winning experts can compare the cheapest loan deals from over 19 approved Lenders. All credit types accepted:
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All credit types
Rated 5/ 5
Smart Money 
Why?
Why?
This provider is our Expert’s Choice in its category as it won tops marks for the following.
- TRUST
- VALUE
- EXPERTISE & KNOWLEDGE
- CUSTOMER SERVICE
Learn more about how we review and assess the providers here on Lending Expert.
Loan Amount
£3,000 - £1,000,000
Representative APRC
Enquire%
Loan Term
3 - 35 years
Loan Type
Residential
& Buy to Let
Lender Website URL
http://www.trusted.lendingexpert.co.uk/SmartMoney
Status
Homeowners Only
Max LTV 100%
Award winning broker of the year Smart Money have made it to the top of our list as our No 1 recommended provider for homeowner loans. Smart Money are not available direct to the public and so we are very excited to be able to offer them here via Lending Expert.
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Available via broker only
All credit types
Rated 5/ 5
Paragon Bank
Loan Amount
£20,000 - £500,000
Representative APRC
3.9 - 8.8%
Loan Term
5 - 25 years
Loan Type
Residential
& Buy to let
Lender Website URL
http://www.trusted.lendingexpert.co.uk/Comparsion_Secured_Lender_Quote
Status
Homeowners Only
Max LTV 85%
Second charge mortgages for homeowners in England, Wales and Mainland Scotland. We work hard to make sure we have a wide range of loans to meet our customers' needs. Get a quote today for a personal illustration from our award winning broker.
Representative Example
Assumed borrowing of £37,700 over 180 months, with a fixed borrowing rate of 6.4% per annum for the first 36 months, followed by 144 months at the lenders standard variable borrowing rate of 5.9%. There would be 36 monthly instalments of £356.89 followed by 144 instalments of £347.59. Total amount payable £63,021 comprised of; loan amount (£37,700); interest (£21,791); Broker fee (£3000) Lender fee (£530). This would result in an overall cost of 7.8% APRC.
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Available via broker only
All credit types
Rated 5/ 5
West One
Loan Amount
£10,000 - £500,000
Representative APRC
5.49%
Loan Term
3 - 25 years
Loan Type
Residential
& Buy to Let
Lender Website URL
http://www.trusted.lendingexpert.co.uk/Comparsion_Secured_Lender_Quote
Status
Homeowners Only
Max LTV 85%
West One offers an extensive range of second charge mortgage solutions that can be secured on buy-to-let properties, including unregulated buy-to-lets as well as regulated consumer buy-to-lets. Get a quote today for a personal illustration from our award winning broker.
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Available via broker only
All credit types
Rated 5/ 5
United Trust Bank
Loan Amount
£10,000 - £125,000
Representative APRC
5.9 - 10.1%
Loan Term
3 - 30 years
Loan Type
Residential
& Buy to let
Lender Website URL
http://www.trusted.lendingexpert.co.uk/Comparsion_Secured_Lender_Quote
Status
Homeowners Only
Max LTV 85%
United Trust Bank’s highly skilled and experienced specialised mortgage team offers innovative lending products through a panel of approved introducers. Get a quote today for a personal illustration from our award winning broker.
Representative Example
Assumed borrowing of £37,700 over 180 months, with a fixed borrowing rate of 6.4% per annum for the first 36 months, followed by 144 months at the lenders standard variable borrowing rate of 5.9%. There would be 36 monthly instalments of £356.89 followed by 144 instalments of £347.59. Total amount payable £63,021 comprised of; loan amount (£37,700); interest (£21,791); Broker fee (£3000) Lender fee (£530). This would result in an overall cost of 7.8% APRC.
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Available via broker only
All credit types
Rated 5/ 5
Shawbrook Bank
Loan Amount
£10,000 - £500,000
Representative APRC
5.9 - 13.6%
Loan Term
3 - 25 years
Loan Type
Residential
& Buy to Let
Lender Website URL
http://www.trusted.lendingexpert.co.uk/Comparsion_Secured_Lender_Quote
Status
Homeowners Only
Max LTV 90%
If you’re paying out for a number of different loans or credit cards, a debt consolidation loan from Shawbrook Bank could save you money every month in interest. Get a quote today for a personal illustration from our award winning broker.
Representative Example
Assumed borrowing of £37,700 over 180 months, with a fixed borrowing rate of 6.4% per annum for the first 36 months, followed by 144 months at the lenders standard variable borrowing rate of 5.9%. There would be 36 monthly instalments of £356.89 followed by 144 instalments of £347.59. Total amount payable £63,021 comprised of; loan amount (£37,700); interest (£21,791); Broker fee (£3000) Lender fee (£530). This would result in an overall cost of 7.8% APRC.
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Available via broker only
All credit types
Rated 5/ 5
Prestige Finance
Loan Amount
£10,000 - £2,500,000
Representative APRC
5.9 - 11.1%
Loan Term
3 - 25 years
Loan Type
Residential
& Buy to Let
Lender Website URL
http://www.trusted.lendingexpert.co.uk/Comparsion_Secured_Lender_Quote
Status
Homeowners Only
Max LTV 90%
Prestige Finance has been providing loans for over 30 years to UK residents and is a specialist in providing second charge loans. Prestige Finance is a wholly owned subsidiary of OneSavings Bank Plc. Get a quote today for a personal illustration from our award winning broker.
Representative Example
Assumed borrowing of £37,700 over 180 months, with a fixed borrowing rate of 6.4% per annum for the first 36 months, followed by 144 months at the lenders standard variable borrowing rate of 5.9%. There would be 36 monthly instalments of £356.89 followed by 144 instalments of £347.59. Total amount payable £63,021 comprised of; loan amount (£37,700); interest (£21,791); Broker fee (£3000) Lender fee (£530). This would result in an overall cost of 7.8% APRC.
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Available via broker only
All credit types
Rated 5/ 5
Step One Finance
Loan Amount
£5,000 - £500,000
Representative APRC
9.5 - 22.9%
Loan Term
5 - 30 years
Loan Type
Residential
& Buy to Let
Lender Website URL
http://www.trusted.lendingexpert.co.uk/Comparsion_Secured_Lender_Quote
Status
Homeowners Only
Max LTV 95%
Our homeowner loan products are available to qualifying homeowners and owners of Buy-to-Let properties in England, Scotland and Wales with loan amounts available up to £150,000. Get a quote today for a personal illustration from our award winning broker.
Representative Example
Assumed borrowing of £37,700 over 180 months, with a fixed borrowing rate of 6.4% per annum for the first 36 months, followed by 144 months at the lenders standard variable borrowing rate of 5.9%. There would be 36 monthly instalments of £356.89 followed by 144 instalments of £347.59. Total amount payable £63,021 comprised of; loan amount (£37,700); interest (£21,791); Broker fee (£3000) Lender fee (£530). This would result in an overall cost of 7.8% APRC.
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Available via broker only
All credit types
Rated 5/ 5
Clearly Loans
Loan Amount
£5,000 - £100,000
Representative APRC
11.3 - 21.2%
Loan Term
1 - 20 years
Loan Type
Residential
& Buy to Let
Lender Website URL
http://www.trusted.lendingexpert.co.uk/Comparsion_Secured_Lender_Quote
Status
Homeowners Only
Max LTV 100%
We aim to make the process of taking out a secured loan as clear and transparent as possible. All our loans are secured on residential property by way of a second charge. Get a quote today for a personal illustration from our award winning broker.
Representative Example
Assumed borrowing of £37,700 over 180 months, with a fixed borrowing rate of 6.4% per annum for the first 36 months, followed by 144 months at the lenders standard variable borrowing rate of 5.9%. There would be 36 monthly instalments of £356.89 followed by 144 instalments of £347.59. Total amount payable £63,021 comprised of; loan amount (£37,700); interest (£21,791); Broker fee (£3000) Lender fee (£530). This would result in an overall cost of 7.8% APRC.
Are there many second charge lenders who offer 85% LTV loans?
There are quite a few lenders who are willing to borrow up to 85% loan to value for residential none buy to let property.
What are the rates like at 85% loan-to-value?
The higher the LTV the more costly the loan and higher the rates. Contact the broker above to enquire on the latest rates.
Can I get a loan on my buy to let at 85%?
Yes. Most lenders are happy to secured a loan on a buy to let.
Are self employed applicants accepted?
Yes. Second charge lenders are happy to accept self employed applicants who can show the lender adequate proof of income.
