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.