95% Remortgages

95% Remortgages

95% Remortgages - 95% remortgages are remortgages which cover 95% of the value of a property and require a 5% deposit from the borrower. For example, on a property worth £200,000 the 95% remortgage would supply £190,000 and a £10,000 deposit would be required. As 95% remortgages have a relatively high loan to value (LTV) ratio, they are not always available. In addition, interest rates on 95% remortgages are commonly higher than those for loans with a lower LTV value.

95% remortgages are particularly suited to debt-restructuring and raising capital. This is because borrowers are likely to have more than 5% equity in the home before a remortgage and this equity can be released through the remortgage. 95% remortgages may also be required if house prices fall and the borrowers equity has been reduced to around 5% or if an even higher LTV ratio product, such as a 125% mortgage, was previously secured. 

Capital Fortune specialises in helping clients secure the maximum loan to value ratio possible in the current market. We will carefully analyse your particular financial circumstances to ascertain the most suitable and affordable 95% remortgages and examine other suitable products if necessary. 

Our award winning assistance includes the completion of all mortgage application forms, saving you valuable time. As an established mortgage broker, we have built up substantial industry contacts and have access to some deals that are not available on the High Street, saving you money. 

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 - Remortgage - 95% LTV


LenderInitial
Rate
Mortgage
Type
For/Until Subsequent
Rate
The overall
cost for
comparison is
Early Repayment
Charge
Arrangement
Fee
Loan
to
Value
Details
Scottish Widows Bank RETENTION Professional 2 Year Fixed No Fee Under £200k Product Transfer BAA3.44%FixedFeb-20203.99%4%APRC29-Feb-2020 £0120%
Product Code: RUX
Product Name: RETENTION Professional 2 Year Fixed No Fee Under £200k Product Transfer
Lender Code: BAA
Lender Name: Scottish Widows Bank
Initial Pay Rate: 3.44
Mortgage Class: Fixed
Initial Rate Period: Feb-2020
Initial Rate Period Months: 26
Standard Variable Rate: 3.99
Apr Lenders: 4
Early Repayment Charge Applies Until: 29-Feb-2020
Early Repayment Charge Period Sort Field: 1441
Initial Monthly Payment: 945.21
Monthly Payment After Initial Period: 997.75
Fees Total: 220.00
True Cost: 0.00
True Cost Over Initial Period: 24770.46
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 120
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 200000.00
Legal Fee: 0.00
Lender Product Reference: EOP2346 / EOP2346B
Detail
Scottish Widows Bank RETENTION Flexible 2 Year Fixed No Fee Under £200k Product Transfer BAA3.44%FixedFeb-20203.99%4%APRC29-Feb-2020 £0120%
Product Code: RWE
Product Name: RETENTION Flexible 2 Year Fixed No Fee Under £200k Product Transfer
Lender Code: BAA
Lender Name: Scottish Widows Bank
Initial Pay Rate: 3.44
Mortgage Class: Fixed
Initial Rate Period: Feb-2020
Initial Rate Period Months: 26
Standard Variable Rate: 3.99
Apr Lenders: 4
Early Repayment Charge Applies Until: 29-Feb-2020
Early Repayment Charge Period Sort Field: 1441
Initial Monthly Payment: 945.21
Monthly Payment After Initial Period: 997.75
Fees Total: 220.00
True Cost: 0.00
True Cost Over Initial Period: 24770.46
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 120
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 200000.00
Legal Fee: 0.00
Lender Product Reference: EOF2235 / EOF2235B
Detail
Scottish Widows Bank RETENTION Professional 5 Year Fixed No Fee Under £200k Product Transfer BAA3.79%FixedFeb-20233.99%4%APRC28-Feb-2023 £0120%
Product Code: RVQ
Product Name: RETENTION Professional 5 Year Fixed No Fee Under £200k Product Transfer
Lender Code: BAA
Lender Name: Scottish Widows Bank
Initial Pay Rate: 3.79
Mortgage Class: Fixed
Initial Rate Period: Feb-2023
Initial Rate Period Months: 62
Standard Variable Rate: 3.99
Apr Lenders: 4
Early Repayment Charge Applies Until: 28-Feb-2023
Early Repayment Charge Period Sort Field: 1477
Initial Monthly Payment: 981.12
Monthly Payment After Initial Period: 998.28
Fees Total: 220.00
True Cost: 0.00
True Cost Over Initial Period: 61024.44
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 120
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 200000.00
Legal Fee: 0.00
Lender Product Reference: EOP5004 / EOP5004B
Detail
Scottish Widows Bank RETENTION Flexible 5 Year Fixed No Fee Under £200k Product Transfer BAA3.79%FixedFeb-20233.99%4%APRC28-Feb-2023 £0120%
Product Code: RWU
Product Name: RETENTION Flexible 5 Year Fixed No Fee Under £200k Product Transfer
Lender Code: BAA
Lender Name: Scottish Widows Bank
Initial Pay Rate: 3.79
Mortgage Class: Fixed
Initial Rate Period: Feb-2023
Initial Rate Period Months: 62
Standard Variable Rate: 3.99
Apr Lenders: 4
Early Repayment Charge Applies Until: 28-Feb-2023
Early Repayment Charge Period Sort Field: 1477
Initial Monthly Payment: 981.12
Monthly Payment After Initial Period: 998.28
Fees Total: 220.00
True Cost: 0.00
True Cost Over Initial Period: 61024.44
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 120
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 200000.00
Legal Fee: 0.00
Lender Product Reference: EOF5004 / EOF5004B
Detail
Accord RETENTION Intermediary Offset 2 Year Fixed No Fee Portability Top Up ACC4.69%FixedMar-20204.99%5.1%APRC31-Mar-2020 £095%
Product Code: TIJ
Product Name: RETENTION Intermediary Offset 2 Year Fixed No Fee Portability Top Up
Product Availability: Intermediaries Only
Lender Code: ACC
Lender Name: Accord
Initial Pay Rate: 4.69
Mortgage Class: Fixed
Initial Rate Period: Mar-2020
Initial Rate Period Months: 27
Standard Variable Rate: 4.99
Apr Lenders: 5.1
Early Repayment Charge Applies Until: 31-Mar-2020
Early Repayment Charge Period Sort Field: 1442
Initial Monthly Payment: 1076.68
Monthly Payment After Initial Period: 1107.26
Fees Total: 295.00
True Cost: 0.00
True Cost Over Initial Period: 29365.36
Cashback: 0.00
Valuation Fee: 205.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 90.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 117.00
Lender Product Reference: 46646
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: Remortgage; Property Valuation: £200000; Mortgage Amount: £190000; Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: All Offset: Yes 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.