Jason Bailey

Expertly compared by Jason Bailey

Products Updated October 17, 2018

85% Mortgages

Compare and view all the best 85% loan to value mortgage deals from across the market place. View the 85% LTV rates on offer and see how they compare between lenders side by side.

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

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All credit types
Rated 4.9/ 5

Loans Warehouse 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.

LTV
60% - 100%

Initial Rate
1.19% - 4.32%

Standard Rate (SVR)
3.94% - 4.79%

APRC
3.6%

Type
Variable & 3 ,5 & 10 Fixed Rate

The mortgage experts at Loans Warehouse 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.

85% Loan to value mortgages

Lenders who offer 85% mortgages

Lenders who offer 85% mortgages

An 85% LTV mortgage means that you’ll need a 15% deposit to put down against the purchase of your home. This means a contribution of 15% of the property buying price and that you’ll need to have additional funds to pay for additional costs such as stamp duty, conveyancing and moving costs etc.

Why get an 85% loan to value (LTV) mortgage?

Being able to raise a 15% deposit will mean that there are lenders and mortgage products to choose from that offer better rates when compared to 95% and 90% mortgage deals.

Having a larger deposit will mean you’ll benefit from better rates and more choice of lenders. Therefore as long as you have the money to put down then choosing an 85% mortgage product over a 90% mortgage will save you money in interest fees.

What are the draw backs?

The only drawback to making a 15% deposit is that you would probably get a better rate of interest if you could afford a 20 or 25% deposit and so on. However many people only put down what they can afford and a 15% deposit is a good deposit particularly for a first time buyer.

Where can I find out what 85% LTV mortgages are available?

Our mortgage comparison tools here on the website display all of the 85% mortgage products from the whole UK market. This means we have access to every product available. Simply carry out a search and compare the deals and rates side-by-side to see who is offering the best deals.

Can I get a mortgage if I have a bad credit history or low credit score?

If you have a history of bad credit, missed payments, CCJ’s or you know you have a low credit score then the best advice would be to speak to a mortgage expert here on the website. They have a detailed understanding of the lenders who are willing to borrow to those with a not so perfect credit score.

Where can I find further mortgage advice?

If you need to speak to someone then we recommend you speak to a mortgage broker here on the website. Their advice is free and they have access to all the mortgages and rates available.

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