85% Mortgages

85% Mortgages

85% Mortgages - 85% mortgages are mortgages that offer an 85% loan to value (LTV) ratio. 85% mortgages will therefore require a 15% deposit from the borrower. The availability of 85% mortgages depends on market conditions, as lenders may be unwilling to lend this amount if credit conditions are unfavourable. In addition, 85% mortgages can be less commonly available for buy to let properties than residential properties. However, when available, 85% mortgages can allow those without the capital resources for a higher deposit to enter the housing market or remortgage. In addition, 85% mortgages will generally offer better rates than higher LTV ratio deals, such as 90%.

At Capital Fortune, we use our comprehensive panel mortgage base to source 85% mortgages from a range of providers. We specialise in matching the right 85% mortgages from the right lenders to the right clients. 

As an established mortgage broker, we have built up strong relationships with a range of lenders. This allows us to access some 85% mortgages that are not available on the High Street and negotiate with senior underwriters if necessary. 

Our personalised advice is built around your individual circumstances. We carefully analyse 85% mortgages to ensure maximum suitability and affordability for you.  

Call our mortgage broker team now on 020 3 216 2037 or complete the Mortgage Enquiry Online. As part of our service, we will call you back

How to get in touch

Feefo logo

Residential - Purchase - 85% LTV


LenderInitial
Rate
Mortgage
Type
For/Until Subsequent
Rate
The overall
cost for
comparison is
Early Repayment
Charge
Arrangement
Fee
Loan
to
Value
Details
Platform Intermediary 2 Year Fixed £999 Fee CTS1.39%FixedNov-20194.49%4.1%APRC30-Nov-2019 £99985%
Product Code: 0023F8
Product Name: Intermediary 2 Year Fixed £999 Fee
Product Availability: Intermediaries Only
Lender Code: CTS
Lender Name: Platform
Initial Pay Rate: 1.39
Mortgage Class: Fixed
Initial Rate Period: Nov-2019
Initial Rate Period Months: 25
Standard Variable Rate: 4.49
Apr Lenders: 4.1
Early Repayment Charge Applies Until: 30-Nov-2019
Early Repayment Charge Period Sort Field: 1438
Initial Monthly Payment: 675.08
Monthly Payment After Initial Period: 926.22
Fees Total: 1159.00
True Cost: 0.00
True Cost Over Initial Period: 16787.00
Cashback: 250.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
Max LTV Available: 85
Product Type: Residential
Mortgage Discharge Fee: 106.00
Deeds Release Fee: 54.00
Product Match Status: Available
MaxLoan Available: 750000.00
Legal Fee: 0.00
Lender Product Reference: M1180
Detail
Nationwide BS 2 Year Tracker £999 Fee Existing Borrowers BNW1.39%Tracker2 years 3.74%3.5%APRC £99985%
Product Code: GTL
Product Name: 2 Year Tracker £999 Fee Existing Borrowers
Lender Code: BNW
Lender Name: Nationwide BS
Initial Pay Rate: 1.39
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.74
Apr Lenders: 3.5
Early Repayment Charge Period Sort Field: 0
Initial Monthly Payment: 675.16
Monthly Payment After Initial Period: 862.05
Fees Total: 1084.00
True Cost: 0.00
True Cost Over Initial Period: 16168.84
Cashback: 100.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 20
Max LTV Available: 85
Product Type: Residential
Mortgage Discharge Fee: 65.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 750000.00
Legal Fee: 174.75
Lender Product Reference: 120816
Detail
Post Office Intermediary 2 Year Fixed £995 Fee Free Val POS1.43%FixedDec-20194.24%3.8%APRC31-Dec-2019 £99585%
Product Code: 002AWX
Product Name: Intermediary 2 Year Fixed £995 Fee Free Val
Product Availability: Intermediaries Only
Lender Code: POS
Lender Name: Post Office
Initial Pay Rate: 1.43
Mortgage Class: Fixed
Initial Rate Period: Dec-2019
Initial Rate Period Months: 26
Standard Variable Rate: 4.24
Apr Lenders: 3.8
Early Repayment Charge Applies Until: 31-Dec-2019
Early Repayment Charge Period Sort Field: 1439
Initial Monthly Payment: 678.38
Monthly Payment After Initial Period: 903.92
Fees Total: 1220.00
True Cost: 0.00
True Cost Over Initial Period: 17832.88
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 995.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 85
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 850000.00
Legal Fee: 258.00
Lender Product Reference: CBA
Detail
TSB Intermediary 2 Year Fixed £995 Fee Purchase TSB1.44%FixedJan-20203.74%3.5%APRC31-Jan-2020 £99585%
Product Code: 001WJV
Product Name: Intermediary 2 Year Fixed £995 Fee Purchase
Product Availability: Intermediaries Only
Lender Code: TSB
Lender Name: TSB
Initial Pay Rate: 1.44
Mortgage Class: Fixed
Initial Rate Period: Jan-2020
Initial Rate Period Months: 27
Standard Variable Rate: 3.74
Apr Lenders: 3.5
Early Repayment Charge Applies Until: 31-Jan-2020
Early Repayment Charge Period Sort Field: 1440
Initial Monthly Payment: 679.20
Monthly Payment After Initial Period: 860.49
Fees Total: 1380.00
True Cost: 0.00
True Cost Over Initial Period: 18688.40
Cashback: 0.00
Valuation Fee: 350.00
Arrangement Fee: 995.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 85
Product Type: Residential
Mortgage Discharge Fee: 0.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 0.00
Lender Product Reference: INC852
Detail
Nationwide BS 2 Year Tracker £999 Fee BNW1.44%Tracker2 years 3.74%3.4%APRC £99985%
Product Code: 269
Product Name: 2 Year Tracker £999 Fee
Lender Code: BNW
Lender Name: Nationwide BS
Initial Pay Rate: 1.44
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.74
Apr Lenders: 3.4
Early Repayment Charge Period Sort Field: 0
Initial Monthly Payment: 679.16
Monthly Payment After Initial Period: 862.43
Fees Total: 1084.00
True Cost: 0.00
True Cost Over Initial Period: 16364.84
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 20
Max LTV Available: 85
Product Type: Residential
Mortgage Discharge Fee: 65.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 750000.00
Legal Fee: 174.75
Lender Product Reference: 120806
Detail
Nationwide BS FTB 2 Year Tracker £999 Fee BNW1.44%Tracker2 years 3.74%3.5%APRC £99985%
Product Code: L05
Product Name: FTB 2 Year Tracker £999 Fee
Lender Code: BNW
Lender Name: Nationwide BS
Initial Pay Rate: 1.44
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.74
Apr Lenders: 3.5
Early Repayment Charge Period Sort Field: 0
Initial Monthly Payment: 679.16
Monthly Payment After Initial Period: 862.43
Fees Total: 1084.00
True Cost: 0.00
True Cost Over Initial Period: 15864.84
Cashback: 500.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 20
Max LTV Available: 85
Product Type: Residential
Mortgage Discharge Fee: 65.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 750000.00
Legal Fee: 174.75
Lender Product Reference: 120796
Detail
Santander UK Plc 2 Year Fixed £999 Fee Porting CAN1.45%FixedJan-20204.49%4.1%APRC02-Jan-2020 £99985%
Product Code: 002H6X
Product Name: 2 Year Fixed £999 Fee Porting
Lender Code: CAN
Lender Name: Santander UK Plc
Initial Pay Rate: 1.45
Mortgage Class: Fixed
Initial Rate Period: Jan-2020
Initial Rate Period Months: 26
Standard Variable Rate: 4.49
Apr Lenders: 4.1
Early Repayment Charge Applies Until: 02-Jan-2020
Early Repayment Charge Period Sort Field: 1440
Initial Monthly Payment: 679.88
Monthly Payment After Initial Period: 925.83
Fees Total: 1259.00
True Cost: 0.00
True Cost Over Initial Period: 17686.88
Cashback: 250.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 85
Product Type: Residential
Mortgage Discharge Fee: 225.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 184.75
Lender Product Reference: MB80H
Detail
Principality BS 2 Year Fixed £1395 Fee BPR1.45%FixedOct-20194.74%4.3%APRC31-Oct-2019 £139585%
Product Code: FYA
Product Name: 2 Year Fixed £1395 Fee
Lender Code: BPR
Lender Name: Principality BS
Initial Pay Rate: 1.45
Mortgage Class: Fixed
Initial Rate Period: Oct-2019
Initial Rate Period Months: 24
Standard Variable Rate: 4.74
Apr Lenders: 4.3
Early Repayment Charge Applies Until: 31-Oct-2019
Early Repayment Charge Period Sort Field: 1437
Initial Monthly Payment: 681.55
Monthly Payment After Initial Period: 952.31
Fees Total: 1905.00
True Cost: 0.00
True Cost Over Initial Period: 16842.20
Cashback: 0.00
Valuation Fee: 330.00
Arrangement Fee: 1395.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 85
Product Type: Residential
Mortgage Discharge Fee: 155.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 350000.00
Legal Fee: 150.00
Lender Product Reference: 11159
Detail
Santander UK Plc 2 Year Fixed £999 Fee CAN1.45%FixedJan-20204.49%4.1%APRC02-Jan-2020 £99985%
Product Code: MPU
Product Name: 2 Year Fixed £999 Fee
Lender Code: CAN
Lender Name: Santander UK Plc
Initial Pay Rate: 1.45
Mortgage Class: Fixed
Initial Rate Period: Jan-2020
Initial Rate Period Months: 26
Standard Variable Rate: 4.49
Apr Lenders: 4.1
Early Repayment Charge Applies Until: 02-Jan-2020
Early Repayment Charge Period Sort Field: 1440
Initial Monthly Payment: 679.88
Monthly Payment After Initial Period: 925.83
Fees Total: 1259.00
True Cost: 0.00
True Cost Over Initial Period: 17686.88
Cashback: 250.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 85
Product Type: Residential
Mortgage Discharge Fee: 225.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 184.75
Lender Product Reference: MB80R / MB80H
Detail
Santander UK Plc 2 Year Fixed £999 Fee (Scottish) CAN1.45%FixedJan-20204.49%4.1%APRC02-Jan-2020 £99985%
Product Code: MPV
Product Name: 2 Year Fixed £999 Fee (Scottish)
Lender Code: CAN
Lender Name: Santander UK Plc
Initial Pay Rate: 1.45
Mortgage Class: Fixed
Initial Rate Period: Jan-2020
Initial Rate Period Months: 26
Standard Variable Rate: 4.49
Apr Lenders: 4.1
Early Repayment Charge Applies Until: 02-Jan-2020
Early Repayment Charge Period Sort Field: 1440
Initial Monthly Payment: 679.88
Monthly Payment After Initial Period: 925.83
Fees Total: 1259.00
True Cost: 0.00
True Cost Over Initial Period: 17686.88
Cashback: 250.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 85
Product Type: Residential
Mortgage Discharge Fee: 225.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 184.75
Lender Product Reference: MB80R / MB80H
Detail

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The mortgage products displayed above are as a result of the following search: Reason for Mortgage: Purchase; Property Valuation: £200000; Mortgage Amount: £170000; Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: All Offset: No Product Term Period From: 0 Months; Product Term Period To: 300 Months; . For a more accurate quotation please use our Quick Mortgage Quote facility.

Mortgage product availability is subject to status and availability.

Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions. To confirm details and availability of any product please click the “Do I Qualify” button.