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85% LTV Mortgages

Compare the leading 85% mortgages now from the top lenders in the UK. Get the best 85% mortgage rates and deals from leading lenders now.

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85% Mortgages

Lender
Mortgage Name
Type
Initial Rate
Offer
Subsequent Rate
Cost for Comparison
Loan to Value
Fees
Get Quote
Nationwide Bs 2 Year Tracker £999 Fee Existing Borrowers
Tracker
1.44%
0.94% above Bank of England base rate
3.74% (variable)
3.50%
85%
£999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge
Nationwide Bs 2 Year Fixed £999 Fee Existing Borrowers
Fixed
1.44%
Fixed for 2 years
3.74% (variable)
3.50%
85%
£999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
TSB Direct 2 Year Tracker £995 Fee Remortgage C/a
Tracker
1.54%
1.04% above Bank of England base rate
3.74% (variable)
3.40%
85%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only YES
Existing Borrowers Only YES
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
TSB Direct 2 Year Tracker £995 Fee Remortgage
Tracker
1.54%
1.04% above Bank of England base rate
3.74% (variable)
3.40%
85%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
Nationwide Bs 2 Year Tracker £999 Fee
Tracker
1.54%
1.04% above Bank of England base rate
3.74% (variable)
3.50%
85%
£999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge
Nationwide Bs Ftb 2 Year Tracker £999 Fee
Tracker
1.54%
1.04% above Bank of England base rate
3.74% (variable)
3.50%
85%
£499
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge
TSB Intermediary 2 Year Tracker £995 Fee Purchase
Tracker
1.54%
1.04% above Bank of England base rate
3.74% (variable)
3.50%
85%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
Nationwide Bs 2 Year Tracker £999 Fee Remortgage Cashback
Tracker
1.54%
1.04% above Bank of England base rate
3.74% (variable)
3.50%
85%
£999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge
TSB Direct 2 Year Tracker £995 Fee Purchase
Tracker
1.54%
1.04% above Bank of England base rate
3.74% (variable)
3.50%
85%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
Nationwide Bs 2 Year Fixed £999 Fee Remortgage Cashback
Fixed
1.54%
Fixed for 2 years
3.74% (variable)
3.50%
85%
£999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
Nationwide Bs Ftb 2 Year Fixed £999 Fee
Fixed
1.54%
Fixed for 2 years
3.74% (variable)
3.50%
85%
£499
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
Nationwide Bs 2 Year Fixed £999 Fee
Fixed
1.54%
Fixed for 2 years
3.74% (variable)
3.50%
85%
£999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
TSB Intermediary 2 Year Tracker £995 Fee Remortgage
Tracker
1.54%
1.04% above Bank of England base rate
3.74% (variable)
3.40%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
TSB Direct 2 Year Fixed £995 Fee Purchase
Fixed
1.64%
Fixed until 30/06/2019
3.74% (variable)
3.50%
85%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
TSB Direct 2 Year Fixed £995 Fee Remortgage C/a
Fixed
1.64%
Fixed until 30/06/2019
3.74% (variable)
3.50%
85%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only YES
Existing Borrowers Only YES
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
TSB Intermediary 2 Year Fixed £995 Fee Remortgage
Fixed
1.64%
Fixed until 30/06/2019
3.74% (variable)
3.50%
85%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
TSB Direct 2 Year Fixed £995 Fee Remortgage
Fixed
1.64%
Fixed until 30/06/2019
3.74% (variable)
3.50%
85%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
TSB Intermediary 2 Year Fixed £995 Fee Purchase
Fixed
1.64%
Fixed until 30/06/2019
3.74% (variable)
3.50%
85%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
Halifax Intermediary Exclusive 2 Year Fixed No Fee Remortgage
Fixed
1.66%
Fixed until 30/06/2019
3.74% (variable)
3.40%
60%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 40%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.40% of loan amount redeemed to be paid until 30-Jun-2019
Nationwide Bs 2 Year Tracker No Fee Existing Borrowers
Tracker
1.84%
1.34% above Bank of England base rate
3.74% (variable)
3.50%
85%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge
Nationwide Bs 2 Year Fixed No Fee Existing Borrowers
Fixed
1.84%
Fixed for 2 years
3.74% (variable)
3.50%
85%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
TSB Intermediary 3 Year Fixed £995 Fee Purchase
Fixed
1.89%
Fixed until 30/06/2020
3.74% (variable)
3.40%
85%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2019; then 1.00% of loan amount redeemed to be paid until 30-Jun-2020
Nationwide Bs 2 Year Fixed No Fee
Fixed
1.94%
Fixed for 2 years
3.74% (variable)
3.50%
85%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
TSB Direct 2 Year Tracker No Fee Remortgage C/a
Tracker
1.94%
1.44% above Bank of England base rate
3.74% (variable)
3.40%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only YES
Existing Borrowers Only YES
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee cannot be added to loan
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
TSB Direct 2 Year Tracker No Fee Remortgage
Tracker
1.94%
1.44% above Bank of England base rate
3.74% (variable)
3.40%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee cannot be added to loan
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
Nationwide Bs 2 Year Fixed No Fee Remortgage Cashback
Fixed
1.94%
Fixed for 2 years
3.74% (variable)
3.50%
85%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
Nationwide Bs 2 Year Tracker No Fee
Tracker
1.94%
1.44% above Bank of England base rate
3.74% (variable)
3.50%
85%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge
Nationwide Bs Ftb 2 Year Fixed No Fee
Fixed
1.94%
Fixed for 2 years
3.74% (variable)
3.50%
85%
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
Nationwide Bs 2 Year Tracker No Fee Remortgage Cashback
Tracker
1.94%
1.44% above Bank of England base rate
3.74% (variable)
3.50%
85%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge
TSB Intermediary 3 Year Fixed £995 Fee Remortgage
Fixed
1.94%
Fixed until 30/06/2020
3.74% (variable)
3.40%
85%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2019; then 1.00% of loan amount redeemed to be paid until 30-Jun-2020
TSB Intermediary 2 Year Tracker No Fee Remortgage
Tracker
1.94%
1.44% above Bank of England base rate
3.74% (variable)
3.40%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
Nationwide Bs Ftb 2 Year Tracker No Fee
Tracker
1.94%
1.44% above Bank of England base rate
3.74% (variable)
3.50%
85%
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge
TSB Direct 2 Year Fixed No Fee Remortgage C/a
Fixed
2.04%
Fixed until 30/06/2019
3.74% (variable)
3.40%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only YES
Existing Borrowers Only YES
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee cannot be added to loan
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
TSB Direct 2 Year Fixed No Fee Remortgage
Fixed
2.04%
Fixed until 30/06/2019
3.74% (variable)
3.40%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee cannot be added to loan
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
TSB Intermediary 2 Year Fixed No Fee Remortgage
Fixed
2.04%
Fixed until 30/06/2019
3.74% (variable)
3.40%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
TSB Direct 2 Year Tracker No Fee Purchase
Tracker
2.04%
1.54% above Bank of England base rate
3.74% (variable)
3.50%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee cannot be added to loan
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
TSB Intermediary 2 Year Tracker No Fee Purchase
Tracker
2.04%
1.54% above Bank of England base rate
3.74% (variable)
3.50%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
TSB Intermediary 2 Year Fixed No Fee Purchase
Fixed
2.14%
Fixed until 30/06/2019
3.74% (variable)
3.50%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
TSB Direct 2 Year Fixed No Fee Purchase
Fixed
2.14%
Fixed until 30/06/2019
3.74% (variable)
3.50%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee cannot be added to loan
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
TSB Intermediary Shared Equity 2 Year Fixed £995 Fee Remortgage
Fixed
2.24%
Fixed until 30/06/2019
3.74% (variable)
3.60%
85%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
TSB Direct Shared Equity 2 Year Fixed £995 Fee Remortgage
Fixed
2.24%
Fixed until 30/06/2019
3.74% (variable)
3.60%
85%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 1.00% of loan amount redeemed to be paid until 30-Jun-2019
TSB Direct 5 Year Fixed £995 Fee Remortgage C/a
Fixed
2.29%
Fixed until 30/06/2022
3.74% (variable)
3.20%
85%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only YES
Existing Borrowers Only YES
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 5.00% of loan amount redeemed to be paid until 30-Jun-2018; then 4.00% of loan amount redeemed to be paid until 30-Jun-2019; then 3.00% of loan amount redeemed to be paid until 30-Jun-2021; then 1.00% of loan amount redeemed to be paid until 30-Jun-2022
TSB Direct 5 Year Fixed £995 Fee Remortgage
Fixed
2.29%
Fixed until 30/06/2022
3.74% (variable)
3.20%
85%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 5.00% of loan amount redeemed to be paid until 30-Jun-2018; then 4.00% of loan amount redeemed to be paid until 30-Jun-2019; then 3.00% of loan amount redeemed to be paid until 30-Jun-2021; then 1.00% of loan amount redeemed to be paid until 30-Jun-2022
TSB Intermediary 5 Year Fixed £995 Fee Remortgage
Fixed
2.29%
Fixed until 30/06/2022
3.74% (variable)
3.20%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 5.00% of loan amount redeemed to be paid until 30-Jun-2018; then 4.00% of loan amount redeemed to be paid until 30-Jun-2019; then 3.00% of loan amount redeemed to be paid until 30-Jun-2021; then 1.00% of loan amount redeemed to be paid until 30-Jun-2022
TSB Intermediary 5 Year Fixed £995 Fee Purchase
Fixed
2.29%
Fixed until 30/06/2022
3.74% (variable)
3.30%
85%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 5.00% of loan amount redeemed to be paid until 30-Jun-2018; then 4.00% of loan amount redeemed to be paid until 30-Jun-2019; then 3.00% of loan amount redeemed to be paid until 30-Jun-2021; then 1.00% of loan amount redeemed to be paid until 30-Jun-2022
TSB Direct 5 Year Fixed £995 Fee Purchase
Fixed
2.29%
Fixed until 30/06/2022
3.74% (variable)
3.30%
85%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 5.00% of loan amount redeemed to be paid until 30-Jun-2018; then 4.00% of loan amount redeemed to be paid until 30-Jun-2019; then 3.00% of loan amount redeemed to be paid until 30-Jun-2021; then 1.00% of loan amount redeemed to be paid until 30-Jun-2022
TSB Direct 5 Year Fixed No Fee Purchase
Fixed
2.54%
Fixed until 30/06/2022
3.74% (variable)
3.30%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee cannot be added to loan
Early Repayment Charge 5.00% of loan amount redeemed to be paid until 30-Jun-2018; then 4.00% of loan amount redeemed to be paid until 30-Jun-2019; then 3.00% of loan amount redeemed to be paid until 30-Jun-2021; then 1.00% of loan amount redeemed to be paid until 30-Jun-2022
TSB Intermediary 5 Year Fixed No Fee Purchase
Fixed
2.54%
Fixed until 30/06/2022
3.74% (variable)
3.30%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 5.00% of loan amount redeemed to be paid until 30-Jun-2018; then 4.00% of loan amount redeemed to be paid until 30-Jun-2019; then 3.00% of loan amount redeemed to be paid until 30-Jun-2021; then 1.00% of loan amount redeemed to be paid until 30-Jun-2022
Nationwide Bs 5 Year Fixed £999 Fee Existing Borrowers
Fixed
2.59%
Fixed for 5 years
3.74% (variable)
3.40%
85%
£999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 5.00% of loan amount redeemed to be paid within 1 year; then 4.00% of loan amount redeemed to be paid for next 1 year; then 3.00% of loan amount redeemed to be paid for next 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
TSB Direct 5 Year Fixed No Fee Remortgage C/a
Fixed
2.69%
Fixed until 30/06/2022
3.74% (variable)
3.30%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only YES
Existing Borrowers Only YES
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee cannot be added to loan
Early Repayment Charge 5.00% of loan amount redeemed to be paid until 30-Jun-2018; then 4.00% of loan amount redeemed to be paid until 30-Jun-2019; then 3.00% of loan amount redeemed to be paid until 30-Jun-2021; then 1.00% of loan amount redeemed to be paid until 30-Jun-2022
TSB Intermediary 5 Year Fixed No Fee Remortgage
Fixed
2.69%
Fixed until 30/06/2022
3.74% (variable)
3.30%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 5.00% of loan amount redeemed to be paid until 30-Jun-2018; then 4.00% of loan amount redeemed to be paid until 30-Jun-2019; then 3.00% of loan amount redeemed to be paid until 30-Jun-2021; then 1.00% of loan amount redeemed to be paid until 30-Jun-2022
TSB Direct 5 Year Fixed No Fee Remortgage
Fixed
2.69%
Fixed until 30/06/2022
3.74% (variable)
3.30%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee cannot be added to loan
Early Repayment Charge 5.00% of loan amount redeemed to be paid until 30-Jun-2018; then 4.00% of loan amount redeemed to be paid until 30-Jun-2019; then 3.00% of loan amount redeemed to be paid until 30-Jun-2021; then 1.00% of loan amount redeemed to be paid until 30-Jun-2022
Nationwide Bs 5 Year Fixed £999 Fee Remortgage Cashback
Fixed
2.69%
Fixed for 5 years
3.74% (variable)
3.40%
85%
£999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 5.00% of loan amount redeemed to be paid within 1 year; then 4.00% of loan amount redeemed to be paid for next 1 year; then 3.00% of loan amount redeemed to be paid for next 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
Nationwide Bs 5 Year Fixed £999 Fee
Fixed
2.69%
Fixed for 5 years
3.74% (variable)
3.50%
85%
£999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 5.00% of loan amount redeemed to be paid within 1 year; then 4.00% of loan amount redeemed to be paid for next 1 year; then 3.00% of loan amount redeemed to be paid for next 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
Nationwide Bs Ftb 5 Year Fixed £999 Fee
Fixed
2.69%
Fixed for 5 years
3.74% (variable)
3.50%
85%
£499
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 5.00% of loan amount redeemed to be paid within 1 year; then 4.00% of loan amount redeemed to be paid for next 1 year; then 3.00% of loan amount redeemed to be paid for next 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
Nationwide Bs 5 Year Fixed No Fee Existing Borrowers
Fixed
2.79%
Fixed for 5 years
3.74% (variable)
3.40%
85%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 5.00% of loan amount redeemed to be paid within 1 year; then 4.00% of loan amount redeemed to be paid for next 1 year; then 3.00% of loan amount redeemed to be paid for next 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
Nationwide Bs Ftb 5 Year Fixed No Fee
Fixed
2.89%
Fixed for 5 years
3.74% (variable)
3.50%
85%
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 5.00% of loan amount redeemed to be paid within 1 year; then 4.00% of loan amount redeemed to be paid for next 1 year; then 3.00% of loan amount redeemed to be paid for next 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
Nationwide Bs 5 Year Fixed No Fee
Fixed
2.89%
Fixed for 5 years
3.74% (variable)
3.50%
85%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 5.00% of loan amount redeemed to be paid within 1 year; then 4.00% of loan amount redeemed to be paid for next 1 year; then 3.00% of loan amount redeemed to be paid for next 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
Nationwide Bs 5 Year Fixed No Fee Remortgage Cashback
Fixed
2.89%
Fixed for 5 years
3.74% (variable)
3.50%
85%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 5.00% of loan amount redeemed to be paid within 1 year; then 4.00% of loan amount redeemed to be paid for next 1 year; then 3.00% of loan amount redeemed to be paid for next 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
TSB Direct 2 Year Tracker No Fee Additional Borrowing
Tracker
2.94%
2.44% above Bank of England base rate
3.74% (variable)
3.60%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £2,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee cannot be added to loan
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 2.00% of loan amount redeemed to be paid until 30-Jun-2019
Santander Uk Plc 5 Year Fixed £999 Fee Remortgage Cashback
Fixed
2.94%
Fixed until 31/08/2022
4.49% (variable)
3.90%
90%
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 10%
Max Mortgage Amount £570,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 5.00% of loan amount redeemed to be paid until 02-Aug-2022
TSB Direct 2 Year Fixed No Fee Additional Borrowing
Fixed
3.19%
Fixed until 30/06/2019
3.74% (variable)
3.70%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £2,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee cannot be added to loan
Early Repayment Charge 3.00% of loan amount redeemed to be paid until 30-Jun-2018; then 2.00% of loan amount redeemed to be paid until 30-Jun-2019
TSB Direct 5 Year Fixed No Fee Additional Borrowing
Fixed
3.48%
Fixed until 30/06/2022
3.74% (variable)
3.60%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £2,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee cannot be added to loan
Early Repayment Charge 5.00% of loan amount redeemed to be paid until 30-Jun-2018; then 4.00% of loan amount redeemed to be paid until 30-Jun-2019; then 3.00% of loan amount redeemed to be paid until 30-Jun-2021; then 1.00% of loan amount redeemed to be paid until 30-Jun-2022
Nationwide Bs 10 Year Fixed £999 Fee Existing Borrowers
Fixed
3.54%
Fixed for 10 years
3.74% (variable)
3.70%
85%
£999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 7.00% of loan amount redeemed to be paid within 4 years; then 6.00% of loan amount redeemed to be paid for next 1 year; then 5.00% of loan amount redeemed to be paid for next 1 year; then 4.00% of loan amount redeemed to be paid for next 1 year; then 3.00% of loan amount redeemed to be paid for next 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
TSB Intermediary 10 Year Fix And Flex No Fee Purchase
Fixed
3.63%
Fixed until 30/06/2027
3.74% (variable)
3.80%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 5.00% of loan amount redeemed to be paid until 30-Jun-2018; then 4.00% of loan amount redeemed to be paid until 30-Jun-2019; then 3.00% of loan amount redeemed to be paid until 30-Jun-2021; then 1.00% of loan amount redeemed to be paid until 30-Jun-2022
TSB Direct 10 Year Fix And Flex No Fee Purchase
Fixed
3.63%
Fixed until 30/06/2027
3.74% (variable)
3.80%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee cannot be added to loan
Early Repayment Charge 5.00% of loan amount redeemed to be paid until 30-Jun-2018; then 4.00% of loan amount redeemed to be paid until 30-Jun-2019; then 3.00% of loan amount redeemed to be paid until 30-Jun-2021; then 1.00% of loan amount redeemed to be paid until 30-Jun-2022
Nationwide Bs 10 Year Fixed No Fee Existing Borrowers
Fixed
3.64%
Fixed for 10 years
3.74% (variable)
3.80%
85%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 7.00% of loan amount redeemed to be paid within 4 years; then 6.00% of loan amount redeemed to be paid for next 1 year; then 5.00% of loan amount redeemed to be paid for next 1 year; then 4.00% of loan amount redeemed to be paid for next 1 year; then 3.00% of loan amount redeemed to be paid for next 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
Nationwide Bs 10 Year Fixed £999 Fee
Fixed
3.64%
Fixed for 10 years
3.74% (variable)
3.80%
85%
£999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 7.00% of loan amount redeemed to be paid within 4 years; then 6.00% of loan amount redeemed to be paid for next 1 year; then 5.00% of loan amount redeemed to be paid for next 1 year; then 4.00% of loan amount redeemed to be paid for next 1 year; then 3.00% of loan amount redeemed to be paid for next 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
Nationwide Bs Ftb 10 Year Fixed £999 Fee
Fixed
3.64%
Fixed for 10 years
3.74% (variable)
3.80%
85%
£499
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 7.00% of loan amount redeemed to be paid within 4 years; then 6.00% of loan amount redeemed to be paid for next 1 year; then 5.00% of loan amount redeemed to be paid for next 1 year; then 4.00% of loan amount redeemed to be paid for next 1 year; then 3.00% of loan amount redeemed to be paid for next 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
TSB Intermediary 10 Year Fix And Flex No Fee Remortgage
Fixed
3.67%
Fixed until 30/06/2027
3.74% (variable)
3.70%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee can be added to loan without conditions
Early Repayment Charge 5.00% of loan amount redeemed to be paid until 30-Jun-2018; then 4.00% of loan amount redeemed to be paid until 30-Jun-2019; then 3.00% of loan amount redeemed to be paid until 30-Jun-2021; then 1.00% of loan amount redeemed to be paid until 30-Jun-2022
TSB Direct 10 Year Fix And Flex No Fee Remortgage
Fixed
3.67%
Fixed until 30/06/2027
3.74% (variable)
3.70%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee cannot be added to loan
Early Repayment Charge 5.00% of loan amount redeemed to be paid until 30-Jun-2018; then 4.00% of loan amount redeemed to be paid until 30-Jun-2019; then 3.00% of loan amount redeemed to be paid until 30-Jun-2021; then 1.00% of loan amount redeemed to be paid until 30-Jun-2022
TSB Direct 10 Year Fix And Flex No Fee Remortgage C/a
Fixed
3.67%
Fixed until 30/06/2027
3.74% (variable)
3.70%
85%
No Application Fee
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only YES
Existing Borrowers Only YES
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee - Application Fee cannot be added to loan
Early Repayment Charge 5.00% of loan amount redeemed to be paid until 30-Jun-2018; then 4.00% of loan amount redeemed to be paid until 30-Jun-2019; then 3.00% of loan amount redeemed to be paid until 30-Jun-2021; then 1.00% of loan amount redeemed to be paid until 30-Jun-2022
Nationwide Bs 10 Year Fixed No Fee
Fixed
3.74%
Fixed for 10 years
3.74% (variable)
3.80%
85%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 7.00% of loan amount redeemed to be paid within 4 years; then 6.00% of loan amount redeemed to be paid for next 1 year; then 5.00% of loan amount redeemed to be paid for next 1 year; then 4.00% of loan amount redeemed to be paid for next 1 year; then 3.00% of loan amount redeemed to be paid for next 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
Nationwide Bs Ftb 10 Year Fixed No Fee
Fixed
3.74%
Fixed for 10 years
3.74% (variable)
3.90%
85%
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Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 15%
Max Mortgage Amount £750,000
Shared Ownership YES
Overpayments? YES
App Fee - Application Fee can be added to loan provided normal lending limits are met
Early Repayment Charge 7.00% of loan amount redeemed to be paid within 4 years; then 6.00% of loan amount redeemed to be paid for next 1 year; then 5.00% of loan amount redeemed to be paid for next 1 year; then 4.00% of loan amount redeemed to be paid for next 1 year; then 3.00% of loan amount redeemed to be paid for next 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year

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Your home may be repossessed if you do not keep up repayments on your mortgage. The rates and products displayed within these tables are updated on a regular basis however due to the dynamic nature of the market some product details and rates may be out of date. We therefore do not take any responsibility for the accuracy of the information supplied within the table although we will always make our best endeavour to ensure that the information provided is as accurate as possible. You should always check rates and terms with the product provider. The telephone-based mortgage advice service is provided by TurnKey Mortgages Limited. Registered office: St Crispins House, Duke Street, Norwich NR3 1PD. TurnKey Mortgages Limited are authorised and regulated by the Financial Conduct Authority. Their FCA number is 537424.

85% LTV Mortgage

LTV Explained

LTV (or loan-to-value) refers to the percentage of a loan that is underwritten to the value of an asset that is purchased. Loan-to-value is most often used by banks and building societies to represent the amount they are willing to lend against the value of the asset. If a borrower wishes to borrow £170,000 to purchase a house valued at £200,000, for example, the LTV would be 85%.

 

Below reveals the loan-to-value you would need to apply for the following house valuations.

 

LTV Table Examples

LTV£50k Property Value£100k Property Value£150k Property Value£200k Property Value£250k Property Value
Amount borrowed at: 100% £50,000 £100,000 £150,000 £200,000 £250,000
Amount borrowed at: 95% £47,500 £95,000 £142,500 £190,000 £247,500
Amount borrowed at: 90% £45,000 £90,000 £135,000 £180,000 £225,000
Amount borrowed at: 85% £42,500 £85,000 £127,500 £170,000 £212,500
Amount borrowed at: 80% £40,000 £80,000 £120,000 £160,000 £200,000
Amount borrowed at: 75% £37,500 £75,000 £112,500 £150,000 £187,500
Amount borrowed at: 70% £35,000 £70,000 £105,000 £140,000 £175,000
Amount borrowed at: 65% £32,500 £65,000 £97,500 £130,000 £162,500
Amount borrowed at: 60% £30,000 £60,000 £90,000 £120,000 £150,000

 

If you were interested in a property valued at £150,000 and had a deposit of £22,500, you would apply to borrow the remaining £127,500, which, as we can see from the table above, reflects a 85% LTV mortgage.

 

If you were interested in a property valued at £250,000, and you had £25,000 available for a deposit, you would need to apply for an 90% LTV mortgage worth £180,000.

 

Be sure that you factor stamp duty into your calculations! (Find out more about stamp duty here). If you are purchasing property worth between £125,000 and £250,000, you will face a fee of at least 1%. This can be added to the mortgage, but it may push you onto the next tier of LTV loan (e.g. from 85% to 90%), which is likely to be more expensive.

 

LTV Roughly Proportional to Cost:

Higher LTV mortgages tend to be more expensive (higher interest rates) than lower LTV loans, due to the extra risk that a higher LTV mortgage imposes upon lenders.

 

For example, an 85% mortgage may have an interest rate of 4%, whereas a 95% mortgage might have an interest rate of 4.5%, meaning that monthly payments will be higher, if all else remained the same.

 

What Are The Risks?

Tracker Mortgages

If you take out a tracker mortgage, a rise in the base rate will lead to higher monthly payments. This is more of a risk for high-LTV mortgage holders where repayments are already higher.

 

Before taking out a tracker mortgage at 95% LTV, it might be worth contemplating what your costs might be if rates do head upwards. See our calculator: what if rates change?

 

Rise and Fall in Value

Any rise or fall in the property value will increase or reduce the value of your deposit (as a overall percentage). Given a 85% LTV mortgage and a 15% deposit, should your home value fall by 5% it would technically reduce the value of your deposit to just 10%.

 

In a worst-case scenario, your home value could drop by more than your deposit, leaving you in negative equity. Should you then sell your home, you would not make enough back to pay of your mortgage. This will make getting another mortgage deal more challenging.