85 Percent Mortgages

85% mortgages

		Mortgage Type Buy to Let: For landlords purchasing a property for letting. Discount: The interest rate rises and falls with the provider’s standard variable rate but is set at a lower discounted rate for certain period. Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years. Offset: Mortgage interest payments are offset against any savings you may hold. Tracker: The interest rate rises and falls with the Bank of England base rate. Variable: The interest rate rises and falls with the provider’s standard interest rate (SVR).	Initial Rate The introductory rate of interest that you will pay for a certain period of time depending on the mortgage type and term.	Initial Term The length of time that the initial interest rate applies to the mortgage.	Final Rate Also referred to as Subsequent Rate - the interest rate that your mortgage will revert to after any introductory rates have finished.	Cost For Comparison This is the mortgage’s Annual Percentage Rate (APR): the interest rate that you will be charged on your mortgage including all charges such as arrangement fees.	Loan to value The percentage of a property’s value for which the mortgage can be used. Example: 75% loan to value = 25% deposit.	Fee to Apply This is the fee that must be paid to the lender when you take out the mortgage. It can be applied to the loan or paid separately.
	Chelsea Building Society 2yr 3.29% Fixed LTV 85% Direct + More Details	Fixed	3.29%	31/07/2015	5.79%	5.50%	85%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.29% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society 2yr BBR + 2.89% LTV 85% Direct + More Details	Tracker	3.39%	30/06/2015	4.99%	4.80%	85%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Shared Ownership no Initial Rate 3.39% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.80% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 3.44% Fixed LTV 85% Direct + More Details	Fixed	3.44%	30/06/2015	4.99%	4.80%	85%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.44% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 2yr 3.49% Fixed Offset LTV 85% Direct + More Details	Fixed	3.49%	31/07/2015	5.79%	5.50%	85%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.49% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.50% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Post Office Ltd 2yr 3.49% Fixed BBR LTV 85% Fee Free + More Details	Fixed	3.49%	31/05/2015	4.49%	4.40%	85%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £750000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £750000 Shared Ownership no Initial Rate 3.49% Initial Term 31/05/2015 Final Rate 4.49% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan na
	Chelsea Building Society 2yr BBR + 3.04% H/P LTV 85% Direct + More Details	Tracker	3.54%	31/07/2015	5.79%	5.50%	85%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage This product is not available for remortgage. Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Shared Ownership no Initial Rate 3.54% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.50% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 2yr BBR + 3.04% R/M LTV 85% Direct + More Details	Tracker	3.54%	31/07/2015	5.79%	5.50%	85%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers This product is not available to first time buyers. Available for Home Movers This product is not available for house purchase. Minimum Deposit 15% Shared Ownership no Initial Rate 3.54% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.50% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 2yr 3.59% Fixed FTB LTV 85% Direct + More Details	Fixed	3.59%	31/07/2015	5.79%	5.50%	85%	£1475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: no Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers no Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.59% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 2yr 3.59% Fixed H/P C/B LTV 85% Direct + More Details	Fixed	3.59%	31/07/2015	5.79%	5.50%	85%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.59% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 2yr 3.59% Fixed R/M LTV 85% Direct + More Details	Fixed	3.59%	31/07/2015	5.79%	5.50%	85%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.59% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 2yr 3.59% Fixed Offset FTB LTV 85% Direct + More Details	Fixed	3.59%	31/07/2015	5.79%	5.50%	85%	£1475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: no Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers no Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.59% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.50% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society 2yr BBR + 3.09% Offset LTV 85% Direct + More Details	Tracker	3.59%	30/06/2015	4.99%	4.90%	85%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Shared Ownership no Initial Rate 3.59% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Tracker Current Account/Offset offset Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 3.64% Fixed Offset LTV 85% Direct + More Details	Fixed	3.64%	30/06/2015	4.99%	4.90%	85%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.64% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society 2yr BBR + 3.19% H/P LTV 85% Direct + More Details	Tracker	3.69%	30/06/2015	4.99%	4.90%	85%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Shared Ownership no Initial Rate 3.69% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society 2yr BBR + 3.19% R/M LTV 85% Direct + More Details	Tracker	3.69%	30/06/2015	4.99%	4.90%	85%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 15% Shared Ownership no Initial Rate 3.69% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 3.74% Fixed H/P LTV 85% Direct + More Details	Fixed	3.74%	30/06/2015	4.99%	4.90%	85%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.74% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 3.74% Fixed R/M LTV 85% Direct + More Details	Fixed	3.74%	30/06/2015	4.99%	4.90%	85%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.74% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 2yr BBR + 3.24% H/P Offset LTV 85% Direct + More Details	Tracker	3.74%	31/07/2015	5.79%	5.60%	85%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage This product is not available for remortgage. Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Shared Ownership no Initial Rate 3.74% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.60% Product Type Tracker Current Account/Offset offset Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 2yr BBR + 3.24% R/M Offset LTV 85% Direct + More Details	Tracker	3.74%	31/07/2015	5.79%	5.60%	85%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers This product is not available to first time buyers. Available for Home Movers This product is not available for house purchase. Minimum Deposit 15% Shared Ownership no Initial Rate 3.74% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.60% Product Type Tracker Current Account/Offset offset Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 2yr 3.79% Fixed Offset R/M LTV 85% Direct + More Details	Fixed	3.79%	31/07/2015	5.79%	5.60%	85%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.79% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.60% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 2yr 3.79% Fxd Offset H/P C/B LTV 85% Direct + More Details	Fixed	3.79%	31/07/2015	5.79%	5.60%	85%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.79% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.60% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Post Office Ltd 2yr BBR + 3.29% LTV 85% + More Details	Tracker	3.79%	31/05/2015	4.49%	4.50%	85%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Shared Ownership no Initial Rate 3.79% Initial Term 31/05/2015 Final Rate 4.49% Overall Cost for Comparison 4.50% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Chelsea Building Society 2yr 3.84% Fixed FTB LTV 85% Direct Low Fee + More Details	Fixed	3.84%	31/07/2015	5.79%	5.60%	85%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: no Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers no Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.84% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 3yr 3.84% Fixed LTV 85% Direct + More Details	Fixed	3.84%	31/07/2016	5.79%	5.40%	85%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.84% Initial Term 31/07/2016 Final Rate 5.79% Overall Cost for Comparison 5.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 2yr 3.84% Fixed Offset FTB LTV 85% Direct + More Details	Fixed	3.84%	31/07/2015	5.79%	5.60%	85%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: no Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers no Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.84% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.60% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 3.89% Fixed FTB C/B LTV 85% Branch + More Details	Fixed	3.89%	30/06/2015	4.99%	4.90%	85%	£130	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: no Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers no Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.89% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 3yr 3.89% Fixed LTV 85% Direct + More Details	Fixed	3.89%	30/06/2016	4.99%	4.80%	85%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.89% Initial Term 30/06/2016 Final Rate 4.99% Overall Cost for Comparison 4.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society 2yr BBR + 3.39% H/P Offset LTV 85% Direct + More Details	Tracker	3.89%	30/06/2015	4.99%	4.90%	85%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Shared Ownership no Initial Rate 3.89% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Tracker Current Account/Offset offset Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society 2yr BBR + 3.39% R/M Offset LTV 85% Direct + More Details	Tracker	3.89%	30/06/2015	4.99%	4.90%	85%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 15% Shared Ownership no Initial Rate 3.89% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Tracker Current Account/Offset offset Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 5yr 3.94% Fixed LTV 85% Direct + More Details	Fixed	3.94%	31/07/2018	5.79%	5.10%	85%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.94% Initial Term 31/07/2018 Final Rate 5.79% Overall Cost for Comparison 5.10% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Santander UK plc 2yr 3.94% Fixed FTB C/B LTV 85% Direct + More Details	Fixed	3.94%	02/07/2015	4.74%	4.70%	85%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £550000 First time buyer: yes Homemover: no Remortgage: no Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers no Minimum Deposit 15% Max Mortgage Amount £550000 Shared Ownership yes Initial Rate 3.94% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.70% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan na
	Yorkshire Building Society Flexi 2yr 3.94% Fixed H/P Offset LTV 85% Direct + More Details	Fixed	3.94%	30/06/2015	4.99%	4.90%	85%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.94% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 3.94% Fixed R/M Offset LTV 85% Direct + More Details	Fixed	3.94%	30/06/2015	4.99%	4.90%	85%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.94% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Post Office Ltd 5yr 3.95% Fixed BBR LTV 85% + More Details	Fixed	3.95%	31/05/2018	4.49%	4.50%	85%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £750000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £750000 Shared Ownership no Initial Rate 3.95% Initial Term 31/05/2018 Final Rate 4.49% Overall Cost for Comparison 4.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Post Office Ltd 2yr 3.99% Fixed BBR LTV 85% Fee Free + Incentives + More Details	Fixed	3.99%	31/05/2015	4.49%	4.50%	85%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £750000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £750000 Shared Ownership no Initial Rate 3.99% Initial Term 31/05/2015 Final Rate 4.49% Overall Cost for Comparison 4.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan na
	Yorkshire Building Society Flexi 5yr 3.99% Fixed LTV 85% Direct + More Details	Fixed	3.99%	30/06/2018	4.99%	4.70%	85%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 3.99% Initial Term 30/06/2018 Final Rate 4.99% Overall Cost for Comparison 4.70% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 3yr 4.04% Fixed Offset LTV 85% Direct + More Details	Fixed	4.04%	31/07/2016	5.79%	5.50%	85%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 4.04% Initial Term 31/07/2016 Final Rate 5.79% Overall Cost for Comparison 5.50% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 3yr 4.09% Fixed H/P C/B LTV 85% Direct + More Details	Fixed	4.09%	31/07/2016	5.79%	5.50%	85%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 4.09% Initial Term 31/07/2016 Final Rate 5.79% Overall Cost for Comparison 5.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 3yr 4.09% Fixed R/M LTV 85% Direct + More Details	Fixed	4.09%	31/07/2016	5.79%	5.50%	85%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 4.09% Initial Term 31/07/2016 Final Rate 5.79% Overall Cost for Comparison 5.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 4.09% Fxd FTB C/B Offset LTV 85% Branch + More Details	Fixed	4.09%	30/06/2015	4.99%	4.90%	85%	£130	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: no Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers no Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 4.09% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 3yr 4.09% Fxd Offset LTV 85% Direct + More Details	Fixed	4.09%	30/06/2016	4.99%	4.90%	85%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 4.09% Initial Term 30/06/2016 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 5yr 4.14% Fixed Offset LTV 85% Direct + More Details	Fixed	4.14%	31/07/2018	5.79%	5.20%	85%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 4.14% Initial Term 31/07/2018 Final Rate 5.79% Overall Cost for Comparison 5.20% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 3yr 4.14% Fixed FTB C/B LTV 85% Direct + More Details	Fixed	4.14%	30/06/2016	4.99%	4.90%	85%	£130	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: no Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers no Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 4.14% Initial Term 30/06/2016 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 3yr 4.19% Fixed H/P C/B LTV 85% Direct + More Details	Fixed	4.19%	30/06/2016	4.99%	4.90%	85%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 4.19% Initial Term 30/06/2016 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 3yr 4.19% Fixed R/M LTV 85% Direct + More Details	Fixed	4.19%	30/06/2016	4.99%	4.90%	85%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 4.19% Initial Term 30/06/2016 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 5yr 4.19% Fixed Offset LTV 85% Direct + More Details	Fixed	4.19%	30/06/2018	4.99%	4.80%	85%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 4.19% Initial Term 30/06/2018 Final Rate 4.99% Overall Cost for Comparison 4.80% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Post Office Ltd 3yr 4.25% Fixed BBR LTV 85% Fee Free + Incentives + More Details	Fixed	4.25%	31/05/2016	4.49%	4.50%	85%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £750000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £750000 Shared Ownership no Initial Rate 4.25% Initial Term 31/05/2016 Final Rate 4.49% Overall Cost for Comparison 4.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan na
	Chelsea Building Society Flexi 3yr 4.29% Fixed Offset H/P/C/B LTV 85%Direct + More Details	Fixed	4.29%	31/07/2016	5.79%	5.50%	85%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 4.29% Initial Term 31/07/2016 Final Rate 5.79% Overall Cost for Comparison 5.50% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 3yr 4.29% Fixed Offset R/M LTV 85% Direct + More Details	Fixed	4.29%	31/07/2016	5.79%	5.50%	85%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 15% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 4.29% Initial Term 31/07/2016 Final Rate 5.79% Overall Cost for Comparison 5.50% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Santander UK plc 2yr 4.29% Fixed H/P LTV 85% No Fee + More Details	Fixed	4.29%	02/07/2015	4.74%	4.80%	85%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% Max Loan: £550000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Max Mortgage Amount £550000 Shared Ownership yes Initial Rate 4.29% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan na
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

85 per cent mortgages explained

If you want to balance a low deposit with a competitive rate of interest, an 85 per cent mortgage could be a very fitting deal.

The 85 per cent refers to the amount of money you can borrow towards the total purchase price of your prospective new home. It is also known as the loan to value or LTV ratio.

If your new home will cost you £200,000, you can borrow £170,000 towards it with an 85 per cent mortgage. This would mean you would have to pay £30,000 upfront as a deposit.

Since most mortgage deals require anything from 20 per cent to 40 per cent upfront, an 85 per cent deal could be great if you are a first time buyer and struggling to raise the capital you need to get on the housing ladder.

An 85 per cent mortgage is fairly common on the market, with most lenders offering this loan to value ratio on some of their deals. Less common - but still achievable - are mortgages with 90 per cent LTV and sometimes even 95 per cent. These are rare, though, and you might find that you face inferior conditions in other areas of the mortgage, such as the interest rate, the length of the term or the arrangement fee.

Therefore, if you are in a position to raise the 15 per cent for the deposit, an 85 per cent mortgage could work out to be the best option for you.

Read more about getting on the housing ladder in our guide.

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