85% Remortgages

85% Remortgages

85% Remortgages - 85% remortgages are second mortgages taken out on a property at a loan to value (LTV) ratio of 85%. With 85% remortgages, 15% of the property value must be put down as a deposit. Generally, remortgages are taken out from a different provider and the original mortgage is paid off using this. 85% mortgages are suitable in a number of instances: including when market rates, base rates, or property prices have changed since taking out the original mortgage. 

Securing a better rate of interest repayments is often the main reason for applying for 85% remortgages. In some cases, 85% remortgages can save applicants thousands of pounds, depending on their current mortgage deal and other market variables. 

Our specialist team at Capital Fortune mortgage brokers are experts in finding the right mortgage for your current arrangement. Whether you are looking for 85% remortgages or would like to compare this with other products, we have the skills to find the best options available. With years experience behind us, we have the market understanding to find the right mortgage for all our clients, and help you find out whether 85% remortgages are right for you.

To see our current top 10 best buys for LTV 85% remortgages, please see our table below.

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 - Remortgage - 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
Barclays Bank 2 Year Fixed £899 Fee EMC Reward BWO1.25%FixedOct-20193.74%3.4%APRC31-Oct-2019 £89985%
Product Code: 001MBN
Product Name: 2 Year Fixed £899 Fee EMC Reward
Lender Code: BWO
Lender Name: Barclays Bank
Initial Pay Rate: 1.25
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: 663.60
Monthly Payment After Initial Period: 859.64
Fees Total: 1014.00
True Cost: 0.00
True Cost Over Initial Period: 16705.00
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 899.00
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: 0.00
Lender Product Reference: AX47
Detail
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
Platform Intermediary 2 Year Fixed £1249 Fee Product Switch CTS1.34%FixedNov-20194.49%4.1%APRC30-Nov-2019 £124985%
Product Code: 0023FN
Product Name: Intermediary 2 Year Fixed £1249 Fee Product Switch
Product Availability: Intermediaries Only
Lender Code: CTS
Lender Name: Platform
Initial Pay Rate: 1.34
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: 672.09
Monthly Payment After Initial Period: 926.20
Fees Total: 1409.00
True Cost: 0.00
True Cost Over Initial Period: 17634.34
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 1249.00
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: M1179
Detail
Barclays Bank 2 Year Fixed £999 Fee Remortgage BWO1.36%FixedOct-20193.74%3.5%APRC31-Oct-2019 £99985%
Product Code: 001DEL
Product Name: 2 Year Fixed £999 Fee Remortgage
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: 0.00
Lender Product Reference: AW66 / AW67
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: 0.00
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
Platform Intermediary 2 Year Fixed £749 Fee Product Switch CTS1.39%FixedNov-20194.49%4.1%APRC30-Nov-2019 £74985%
Product Code: 0023F9
Product Name: Intermediary 2 Year Fixed £749 Fee Product Switch
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: 674.10
Monthly Payment After Initial Period: 923.94
Fees Total: 909.00
True Cost: 0.00
True Cost Over Initial Period: 17686.60
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 749.00
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 Switcher BNW1.39%Fixed2 years 3.74%3.4%APRC2 years £99985%
Product Code: JRZ
Product Name: 2 Year Fixed £999 Fee Switcher
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: 3.4
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: 5000000.00
Legal Fee: 0.00
Lender Product Reference: 120603
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: £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.