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

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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
Post Office Intermediary 2 Year Fixed £995 Fee Free Val POS1.27%FixedNov-20194.24%3.8%APRC30-Nov-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: 1.27
Mortgage Class: Fixed
Initial Rate Period: Nov-2019
Initial Rate Period Months: 26
Standard Variable Rate: 4.24
Apr Lenders: 3.8
Early Repayment Charge Applies Until: 30-Nov-2019
Early Repayment Charge Period Sort Field: 1438
Initial Monthly Payment: 665.66
Monthly Payment After Initial Period: 902.53
Fees Total: 1220.00
True Cost: 0.00
True Cost Over Initial Period: 17502.16
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: BRH
Detail
Barclays Bank 2 Year Fixed £1499 Fee Purchase BWO1.36%FixedOct-20193.74%3.4%APRC31-Oct-2019 £149985%
Product Code: 001DAT
Product Name: 2 Year Fixed £1499 Fee Purchase
Lender Code: BWO
Lender Name: Barclays Bank
Initial Pay Rate: 1.36
Mortgage Class: Fixed
Initial Rate Period: Oct-2019
Initial Rate Period Months: 25
Standard Variable Rate: 3.74
Apr Lenders: 3.4
Early Repayment Charge Applies Until: 31-Oct-2019
Early Repayment Charge Period Sort Field: 1437
Initial Monthly Payment: 674.66
Monthly Payment After Initial Period: 863.54
Fees Total: 1614.00
True Cost: 0.00
True Cost Over Initial Period: 16981.50
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 1499.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 85
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 2000000.00
Legal Fee: 126.00
Lender Product Reference: AV81
Detail
Barclays Bank 2 Year Fixed £999 Fee Purchase BWO1.36%FixedOct-20193.74%3.5%APRC31-Oct-2019 £99985%
Product Code: M81
Product Name: 2 Year Fixed £999 Fee Purchase
Lender Code: BWO
Lender Name: Barclays Bank
Initial Pay Rate: 1.36
Mortgage Class: Fixed
Initial Rate Period: Oct-2019
Initial Rate Period Months: 25
Standard Variable Rate: 3.74
Apr Lenders: 3.5
Early Repayment Charge Applies Until: 31-Oct-2019
Early Repayment Charge Period Sort Field: 1437
Initial Monthly Payment: 672.70
Monthly Payment After Initial Period: 861.03
Fees Total: 1114.00
True Cost: 0.00
True Cost Over Initial Period: 16932.50
Cashback: 0.00
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: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 126.00
Lender Product Reference: AV66
Detail
Bank Of Ireland Intermediary Semi Exclusive 2 Year Fixed £995 Fee Incentives BOI1.38%FixedNov-20194.24%3.8%APRC30-Nov-2019 £99585%
Product Code: 000BNN
Product Name: Intermediary Semi Exclusive 2 Year Fixed £995 Fee Incentives
Product Availability: Exclusive Intermediaries Only
Lender Code: BOI
Lender Name: Bank Of Ireland
Initial Pay Rate: 1.38
Mortgage Class: Fixed
Initial Rate Period: Nov-2019
Initial Rate Period Months: 26
Standard Variable Rate: 4.24
Apr Lenders: 3.8
Early Repayment Charge Applies Until: 30-Nov-2019
Early Repayment Charge Period Sort Field: 1438
Initial Monthly Payment: 674.27
Monthly Payment After Initial Period: 903.33
Fees Total: 1220.00
True Cost: 0.00
True Cost Over Initial Period: 17756.02
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: 750000.00
Legal Fee: 258.00
Lender Product Reference: BKA
Detail
Accord Intermediary 2 Year Fixed £1995 Fee ACC1.38%FixedDec-20195.34%4.8%APRC31-Dec-2019 £199585%
Product Code: 001NZS
Product Name: Intermediary 2 Year Fixed £1995 Fee
Product Availability: Intermediaries Only
Lender Code: ACC
Lender Name: Accord
Initial Pay Rate: 1.38
Mortgage Class: Fixed
Initial Rate Period: Dec-2019
Initial Rate Period Months: 27
Standard Variable Rate: 5.34
Apr Lenders: 4.8
Early Repayment Charge Applies Until: 31-Dec-2019
Early Repayment Charge Period Sort Field: 1439
Initial Monthly Payment: 678.22
Monthly Payment After Initial Period: 1006.18
Fees Total: 2115.00
True Cost: 0.00
True Cost Over Initial Period: 18431.94
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 1995.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 85
Product Type: Residential
Mortgage Discharge Fee: 90.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 117.50
Lender Product Reference: 46211
Detail
Bank Of Ireland Intermediary Semi Exclusive 2 Year Fixed £995 Fee £300 Cashback BOI1.38%FixedNov-20194.24%3.8%APRC30-Nov-2019 £99585%
Product Code: NQ2
Product Name: Intermediary Semi Exclusive 2 Year Fixed £995 Fee £300 Cashback
Product Availability: Exclusive Intermediaries Only
Lender Code: BOI
Lender Name: Bank Of Ireland
Initial Pay Rate: 1.38
Mortgage Class: Fixed
Initial Rate Period: Nov-2019
Initial Rate Period Months: 26
Standard Variable Rate: 4.24
Apr Lenders: 3.8
Early Repayment Charge Applies Until: 30-Nov-2019
Early Repayment Charge Period Sort Field: 1438
Initial Monthly Payment: 674.27
Monthly Payment After Initial Period: 903.33
Fees Total: 1220.00
True Cost: 0.00
True Cost Over Initial Period: 17456.02
Cashback: 300.00
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: BKB
Detail
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: 26
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: 925.29
Fees Total: 1159.00
True Cost: 0.00
True Cost Over Initial Period: 17462.08
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 Fixed £999 Fee Existing Borrowers BNW1.39%Fixed2 years 3.74%3.5%APRC2 years £99985%
Product Code: 721
Product Name: 2 Year Fixed £999 Fee Existing Borrowers
Lender Code: BNW
Lender Name: Nationwide BS
Initial Pay Rate: 1.39
Mortgage Class: Fixed
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.74
Apr Lenders: 3.5
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1436
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: 120597
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
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

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.