Simon Nicholson

Expertly compared by Simon Nicholson

Products Updated May 21, 2018

85% LTV Secured Loans

Get the best deal on 85% LTV second charge loans and mortgages from our award winning loan experts. Solutions for all credit types, self employed people, pensioners and applicants with poor credit scores. 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:

Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on a loan or any other debt secured on it.

Questions? Call us on 0161 820 8099

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All credit types
Rated 5.0/ 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
From 3.9%

Loan Term
3 - 35 years

Loan Type
Residential
& Buy to Let

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. We are independent and have access to the major lenders in the market. All quotes are free and without any obligation.

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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

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

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All credit types
Rated 5.0/ 5

West One

Loan Amount
£10,000 - £500,000

Representative APRC
5.49%

Loan Term
3 - 25 years

Loan Type
Residential
& Buy to Let

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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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

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

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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

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

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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

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

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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

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

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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

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

Are there many secured lenders who offer products at 85%?

85% loans are available

85% loans are available from the majority of lenders

There are a large selection of lenders who can offer secured loans at 85% loan to value. This means the lender will willing to secure a loan for up to 85% of your properties value. This could be your home or a buy to let investment. The terms of the loan and how much you can borrow will vary from lender to lender and this is where a broker above will be best to advise you on your options.

For what purposes can these loans be used for?

Loans can be used for any legal purpose and are popular funding options for home improvements, debt consolidation and raising fund on buy to let property.

Are loans available for people with bad credit histories?

Blemished credit applicants are accepted

Blemished credit applicants are accepted

There are a range of suitable lenders who offer secured loans to people with adverse or bad credit history. Some second charge lenders will accept and consider applicants with CCJ's IVA's defaults, missed payments and those will a low credit scoring. A secured loan broker has an indepth knowledge of the market and lenders which means they will be best placed to advise you on which lenders are most suitable.

 

FAQ's

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.

We are independently reviewed by our verified customers and web users:
Rating: 4.6 / 5 with 27 votes

Lending Expert is a credit broker and comparison website, we're not a lender.

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