Simon Nicholson

Expertly compared by Simon Nicholson

Products Updated October 2, 2018

95% LTV Secured Loans

Get the best deal on 95% LTV loans from our award winning loan experts. They have access to a wide range of second charge mortgage lenders to ensure you get the best rates on the market. Lenders for both residential and buy-to-let applicants. 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.

Learn More 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

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

Learn More 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

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

Learn More Available via broker only
All credit types
Rated 5.0/ 5

Evolution Money

Loan Amount
£1,000 - £20,000

Representative APRC
31.71%

Loan Term
1 - 15 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 95%

We won’t rely on automated credit scores. At Evolution Money, people take the decisions and they look at you, not your credit history or the amount of equity in your home. Get a quote today for a personal illustration from our award winning broker.

Representative Example

Are there many secured lenders who offer products at 95% LTV?

95% loans are available from a handful of lenders

95% loans are available from a handful of lenders in the market

There are a small selection of lenders who can offer secured loans at 95% loan to value. Such high loan to value products carry higher interest rates and fees when compare to 85% or 75% for example. This is because the higher LTV ratios carry greater risk to the lender and therefore demand higher rates of interest and charges to compensate for the risk.

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. Loans at 95% are available from £3000 to £100,000 repayable over 3 - 25 years and amounts will vary depending on the lenders requirements.

What are the adverse credit options?

There are a range of suitable second charge lenders who offer secured loans to people with adverse or bad credit. Some lenders will accept and consider applicants with CCJ's IVA's defaults, missed payments and those who have a low credit scoring.

 

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