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
Bank Of Ireland Intermediary Semi Exclusive 2 Year Fixed £995 Fee Incentives £300 Cashback BOI1.4%FixedMay-20204.49%4.1%APRC31-May-2020 £99585%
Product Code: 002QGN
Product Name: Intermediary Semi Exclusive 2 Year Fixed £995 Fee Incentives £300 Cashback
Product Availability: Exclusive Intermediaries Only
Lender Code: BOI
Lender Name: Bank Of Ireland
Initial Pay Rate: 1.4
Mortgage Class: Fixed
Initial Rate Period: May-2020
Initial Rate Period Months: 27
Standard Variable Rate: 4.49
Apr Lenders: 4.1
Early Repayment Charge Applies Until: 31-May-2020
Early Repayment Charge Period Sort Field: 1444
Initial Monthly Payment: 675.87
Monthly Payment After Initial Period: 924.43
Fees Total: 1255.00
True Cost: 0.00
True Cost Over Initial Period: 18208.49
Cashback: 300.00
Valuation Fee: 0.00
Arrangement Fee: 995.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 15
Max LTV Available: 85
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 50.00
Product Match Status: Available
MaxLoan Available: 850000.00
Legal Fee: 258.00
Lender Product Reference: DES
Detail
Post Office Intermediary 2 Year Fixed £1495 Fee Free Val POS1.43%FixedApr-20204.49%4.1%APRC30-Apr-2020 £149585%
Product Code: 002AWX
Product Name: Intermediary 2 Year Fixed £1495 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: Apr-2020
Initial Rate Period Months: 26
Standard Variable Rate: 4.49
Apr Lenders: 4.1
Early Repayment Charge Applies Until: 30-Apr-2020
Early Repayment Charge Period Sort Field: 1443
Initial Monthly Payment: 680.30
Monthly Payment After Initial Period: 928.42
Fees Total: 1705.00
True Cost: 0.00
True Cost Over Initial Period: 17882.80
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 1495.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 15
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: CZH
Detail
Leeds BS 2 Year Fixed £2199 Fee Larger Loan BLH1.44%FixedMar-20205.69%4.9%APRC31-Mar-2020 £219985%
Product Code: 002XL5
Product Name: 2 Year Fixed £2199 Fee Larger Loan
Lender Code: BLH
Lender Name: Leeds BS
Initial Pay Rate: 1.44
Mortgage Class: Fixed
Initial Rate Period: Mar-2020
Initial Rate Period Months: 25
Standard Variable Rate: 5.69
Apr Lenders: 4.9
Early Repayment Charge Applies Until: 31-Mar-2020
Early Repayment Charge Period Sort Field: 1442
Initial Monthly Payment: 675.25
Monthly Payment After Initial Period: 1020.18
Fees Total: 2433.00
True Cost: 0.00
True Cost Over Initial Period: 19279.25
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 2199.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 85
Product Type: Residential
Mortgage Discharge Fee: 199.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 120.00
Lender Product Reference: 19664
Detail
Platform Intermediary 2 Year Fixed £999 Fee CTS1.49%FixedApr-20204.74%4.3%APRC30-Apr-2020 £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: 1.49
Mortgage Class: Fixed
Initial Rate Period: Apr-2020
Initial Rate Period Months: 26
Standard Variable Rate: 4.74
Apr Lenders: 4.3
Early Repayment Charge Applies Until: 30-Apr-2020
Early Repayment Charge Period Sort Field: 1443
Initial Monthly Payment: 683.08
Monthly Payment After Initial Period: 948.34
Fees Total: 1159.00
True Cost: 0.00
True Cost Over Initial Period: 17670.08
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: M1269
Detail
Progressive BS 2 Year Discount No Fee Purchase BPG1.52%Discount2 years 4.75%4.32%APRC2 years £085%
Product Code: 016
Product Name: 2 Year Discount No Fee Purchase
Lender Code: BPG
Lender Name: Progressive BS
Initial Pay Rate: 1.52
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 4.75
Apr Lenders: 4.32
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1441
Initial Monthly Payment: 681.49
Monthly Payment After Initial Period: 945.90
Fees Total: 170.00
True Cost: 0.00
True Cost Over Initial Period: 16525.76
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
Max LTV Available: 85
Product Type: Residential
Mortgage Discharge Fee: 85.00
Deeds Release Fee: 85.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 117.50
Detail
Barclays Bank 2 Year Fixed £999 Fee Purchase BWO1.53%FixedApr-20203.99%3.6%APRC30-Apr-2020 £99985%
Product Code: M81
Product Name: 2 Year Fixed £999 Fee Purchase
Lender Code: BWO
Lender Name: Barclays Bank
Initial Pay Rate: 1.53
Mortgage Class: Fixed
Initial Rate Period: Apr-2020
Initial Rate Period Months: 26
Standard Variable Rate: 3.99
Apr Lenders: 3.6
Early Repayment Charge Applies Until: 30-Apr-2020
Early Repayment Charge Period Sort Field: 1443
Initial Monthly Payment: 686.30
Monthly Payment After Initial Period: 883.05
Fees Total: 1114.00
True Cost: 0.00
True Cost Over Initial Period: 17958.80
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: 2000000.00
Legal Fee: 126.00
Lender Product Reference: BL42
Detail
Post Office Intermediary 2 Year Fixed £995 Fee £250 Cashback POS1.53%FixedApr-20204.49%4.1%APRC30-Apr-2020 £99585%
Product Code: VMF
Product Name: Intermediary 2 Year Fixed £995 Fee £250 Cashback
Product Availability: Intermediaries Only
Lender Code: POS
Lender Name: Post Office
Initial Pay Rate: 1.53
Mortgage Class: Fixed
Initial Rate Period: Apr-2020
Initial Rate Period Months: 26
Standard Variable Rate: 4.49
Apr Lenders: 4.1
Early Repayment Charge Applies Until: 30-Apr-2020
Early Repayment Charge Period Sort Field: 1443
Initial Monthly Payment: 686.34
Monthly Payment After Initial Period: 926.59
Fees Total: 1205.00
True Cost: 0.00
True Cost Over Initial Period: 17789.84
Cashback: 250.00
Valuation Fee: 0.00
Arrangement Fee: 995.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 15
Max LTV Available: 85
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1500000.00
Legal Fee: 258.00
Lender Product Reference: CZJ
Detail
TSB Intermediary 2 Year Fixed £995 Fee Purchase TSB1.54%FixedApr-20203.99%3.7%APRC30-Apr-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: 1.54
Mortgage Class: Fixed
Initial Rate Period: Apr-2020
Initial Rate Period Months: 26
Standard Variable Rate: 3.99
Apr Lenders: 3.7
Early Repayment Charge Applies Until: 30-Apr-2020
Early Repayment Charge Period Sort Field: 1443
Initial Monthly Payment: 687.23
Monthly Payment After Initial Period: 883.29
Fees Total: 1211.00
True Cost: 0.00
True Cost Over Initial Period: 18048.98
Cashback: 0.00
Valuation Fee: 181.00
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: 13KO
Detail
Santander UK Plc 2 Year Fixed £999 Fee Porting CAN1.54%FixedMay-20203.75%3.4%APRC02-May-2020 £99985%
Product Code: 002H6X
Product Name: 2 Year Fixed £999 Fee Porting
Lender Code: CAN
Lender Name: Santander UK Plc
Initial Pay Rate: 1.54
Mortgage Class: Fixed
Initial Rate Period: May-2020
Initial Rate Period Months: 26
Standard Variable Rate: 3.75
Apr Lenders: 3.4
Early Repayment Charge Applies Until: 02-May-2020
Early Repayment Charge Period Sort Field: 1444
Initial Monthly Payment: 687.11
Monthly Payment After Initial Period: 862.67
Fees Total: 1259.00
True Cost: 0.00
True Cost Over Initial Period: 17874.86
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: MC56H
Detail
Santander UK Plc 2 Year Fixed £999 Fee CAN1.54%FixedMay-20203.75%3.4%APRC02-May-2020 £99985%
Product Code: MPU
Product Name: 2 Year Fixed £999 Fee
Lender Code: CAN
Lender Name: Santander UK Plc
Initial Pay Rate: 1.54
Mortgage Class: Fixed
Initial Rate Period: May-2020
Initial Rate Period Months: 26
Standard Variable Rate: 3.75
Apr Lenders: 3.4
Early Repayment Charge Applies Until: 02-May-2020
Early Repayment Charge Period Sort Field: 1444
Initial Monthly Payment: 687.11
Monthly Payment After Initial Period: 862.67
Fees Total: 1259.00
True Cost: 0.00
True Cost Over Initial Period: 17874.86
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: MC56R / MC56H
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.