Jason Bailey

Expertly compared by Jason Bailey

Products Updated May 11, 2018

65% Mortgages

We have compared and displayed our whole range of mortgages on offer at 65% loan to value. View all the deals from the entire range of offer from fixed, variable, tracker and discount rate. Compare deals from buy to let to those for first time buyers.

Free mortgage advice and brokerage service. Our experts can find you the perfect deal from thousands of products & exclusive deals:

Your home may be repossessed if you do not keep up repayments on your mortgage.

Results:1 providers expertly compared:

Lending Expert


This provider is our Expert’s Choice in its category as it won tops marks for the following.


Learn more about how we review and assess the providers here on Lending Expert.

60% - 100%

Initial Rate
1.19% - 4.32%

Standard Rate (SVR)
3.94% - 4.79%


Variable & 3 ,5 & 10 Fixed Rate

Rated 4.9/ 5

All credit types

The mortgage experts at First Choice Finance can quickly assess your requirements and search the market place to find you the perfect mortgage deal. Click get a quote to make an enquiry today.

Read our customer and visitor reviews for this product:

Rating: 4 / 5 with 2 votes

Simple application process

by K Wheeler

Simple application process - broker was kind and offered advice.

Quick search

by James Hilton

This is a quick mortgage search facility and shows many lenders across the market. Impressed with the level of detail on each product.

Is a 65% LTV remortgage a good idea?

Lenders who offer 65% mortgages

Lenders who offer 65% mortgages

Do you need to remortgage your property in order to free up some of the capital from the bricks and mortar? Most people need to have a serious think about whether remortgaging is the right way to proceed, but if you are determined that this is the right way to go, then you should start asking yourself how much you want to get from your remortgage agreement. If you need a serious amount of money, then you might consider asking for a similar amount for the remortgage as you received on the original mortgage. Loans of up to 65% LTV are possible if the bank is willing, but you need to consider whether this is the right solution to your problems.

Do you want a full mortgage again?

Before you agree to take out a 65% LTV remortgage, it is important to remember that this will return your debt to the same amount that it was when you bought the property. If you have been paying the mortgage for 10 or 15 years, that is a lot of money to take from a loan, and also a lot of money to start owing again. You may still own 35% equity in the home, but you will have a huge debt to start repaying again, and this can be daunting to any family.

Ask yourself if you really need the full 65% LTV equity that is being offered, or whether you can take out a personal bank loan for less, and for a lower interest rate. If there really is no other option than taking out the mortgage again, then perhaps you could do a different deal where you only receive 25% of the mortgage. You will have to balance the debt which still exists on the first mortgage with the amount of money you want to take out via the loan, and try to get the most money for the smallest amount of remortgage.

When is the best time to remortgage?

If you decide that you want to go ahead, then you may want to consider taking out the new mortgage at the most opportune time. There are a few occasions when a remortgage can be perfectly timed to benefit the borrower, including when the fixed rate period of your first mortgage is coming to an end, or when your stepped loan is moving up towards the full interest rate. You may also choose to ask for a remortgage deal if you think that you can get a lower interest rate. If you own a £70,000 mortgage on your property, then reducing the payments from the top of the interest rate, over 5%, to a lower charge of just over 4%, then you could save yourself plenty of money each month. Making those savings can be the best motivation for choosing to remortgage your property within a few years of agreeing the mortgage, and many borrowers choose to do this in order to increase their savings.

Related Links

Compare Mortgages

Compare from a wide range of mortgage offers online. Get expert advice from our FCA authorised mortgage brokers.

Mortgages For First Time Buyers

If you're a first time buyer we can help you make the right decisions. Get expert help from our mortgage advisors and compare the market.

90% Mortgages

Need a mortgage with a 10% deposit? Compare and search 90% mortgages onlines. Apply online with Lending Expert.

95% Mortgages

Need a mortgage with a 5% deposit? Compare and search 95% LTV mortgages onlines.

Fixed Rate Mortgages

Compare fixed rate mortgages and get expert advice from our mortgage advisors. Apply online today with Lending Expert.

Mortgage Brokers

Mortgage brokers can search the market and offer advice on which mortgage products suit your needs. Help expert help with Lending Expert.

Help to Buy Mortgages

Get advice on the help to buy scheme and see which mortgages are available to you. Lending Expert can check your eligibility online.

Right to Buy Mortgages

Want to buy your council house? Our mortgage advisors can help with right to buy mortgage products.

Mortgages For Pensioners

If you're a pensioner and need a mortgage or remortgage then Lending Expert can help.

Mortgages For Self Employed

If you're self employed and wish to remortgage your home or take out a new mortgage we can help.

Self Build Mortgages

Want to build your own home? Our advisors can help with self build mortgages and can discuss what options are available.

Holiday Let Mortgages

If you're looking for a holiday let mortgage or brokers can help secure you a great deal. Check your eligibility and apply online today.

Guarantor Mortgages

Need a mortgage with the help from a guarantor. We can search and compare guarantor mortgages on the market.

100% Mortgages

Looking for a 100% mortgage deal. Let our advisors find you a great deal.

Bad Credit Mortgages

If you have bad credit and need a mortgage we can help. Solutions for most credit types.

Buy to Let Mortgages

Our brokers can quickly search and compare buy to let mortgage rates and deals to find you what you need.

Mortgage Calculator

Calculator your mortgage repayments, how much it will cost and interest payments.

Equity Release Mortgages

Get expert advice on equity release mortgages for the over 55's.

Expat Mortgages

Are you an expat and require a mortgage? We can search the market to find you the ideal lender.

Mortgage Payment Protection

Looking to protect your mortgage payments? Our life insurance experts can help.

Lifetime Mortgages

Looking to release equity in your home? Our experts can help with lifetime mortgage options. FCA authorised advisors.

Second Charge Mortgages

If you wish to take out a second charge mortgage our brokers can help. Get a quick quote and expert advice.

Remortgage For Debt Consolidation

Find the perfect remortgage deal for debt consolidation purposes here on Lending Expert.

Remortgage With Bad Credit

If you have bad credit you can still remortgage to a better mortgage rate and borrow what you need.