Compare 85% LTV mortgages

Compare all 85% LTV mortgages, or 15% deposit mortgages from our mortgage providers that could lend you up to 85% of the purchase price if you have 15% equity in your home or a 15% deposit.

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1208 results found, sorted by lowest initial rate. How we order our comparisons. Commission earned affects the table's sort order.
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HSBC 2 year fixed
Maximum LTV
85%
Initial rate
1.39% fixed until 31 Jan 2024
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.3% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking fee£999 with an option to add to the loan
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first year

- then 1.00% of amount paid, until 31 Jan 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
HSBC 2 year fixed for first time buyers
Maximum LTV
85%
Initial rate
1.39% fixed until 31 Jan 2024
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.3% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking fee£999 with an option to add to the loan
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first year

- then 1.00% of amount paid, until 31 Jan 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
TSB 2 year fixed
Maximum LTV
85%
Initial rate
1.39% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.3% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
TSB 2 year fixed for first time buyers
Maximum LTV
85%
Initial rate
1.39% fixed until 29 Feb 2024
Subsequent rate (SVR)
2.59% base rate tracker
Overall cost for comparison
2.5% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 2 year fixed
Maximum LTV
85%
Initial rate
1.42% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 2 year fixed cashback mortgage
Maximum LTV
85%
Initial rate
1.42% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 2 year fixed cashback mortgage for first time buyers
Maximum LTV
85%
Initial rate
1.42% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 2 year fixed for first time buyers
Maximum LTV
85%
Initial rate
1.42% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 2 year fixed
Maximum LTV
85%
Initial rate
1.43% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 2 year fixed cashback mortgage
Maximum LTV
85%
Initial rate
1.43% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 2 year fixed cashback mortgage for first time buyers
Maximum LTV
85%
Initial rate
1.43% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 2 year fixed for first time buyers
Maximum LTV
85%
Initial rate
1.43% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Leeds Building Society 2 year fixed
Maximum LTV
85%
Initial rate
1.43% fixed until 31 Jan 2024
Subsequent rate (SVR)
5.29% variable
Overall cost for comparison
4.5% APRC
The initial rate will be followed by a rate of 4.04% until 31 Jan 2027 (1.25% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, before 31 Jan 2023

- then 2.00% of amount paid, until 31 Jan 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Yorkshire Building Society 2 year BBR tracker
Maximum LTV
85%
Initial rate
1.49% base rate tracker until 29 Feb 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.7% APRC
The initial rate will be followed by a rate of 3.75% until 28 Feb 2027 (0.74% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£995 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.00% of amount paid, before 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Yorkshire Building Society 2 year fixed
Maximum LTV
85%
Initial rate
1.5% fixed until 29 Feb 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.7% APRC
The initial rate will be followed by a rate of 3.75% until 28 Feb 2027 (0.74% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£1,495 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.50% of amount paid, before 28 Feb 2023

- then 1.50% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Yorkshire Building Society 2 year fixed
Maximum LTV
85%
Initial rate
1.5% fixed until 29 Feb 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.7% APRC
The initial rate will be followed by a rate of 3.75% until 28 Feb 2027 (0.74% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£1,495 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.50% of amount paid, before 28 Feb 2023

- then 1.50% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Santander 2 year fixed cashback mortgage
Maximum LTV
85%
Initial rate
1.52% fixed until 02 Jan 2024
Subsequent rate (SVR)
3.35% base rate tracker
Overall cost for comparison
3.1% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£749 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the outstanding balance, before 02 Jan 2024

- £250 cashback needs to be repaid before 02 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
The Cumberland 2 year discount
Maximum LTV
85%
Initial rate
1.52% for 2 years (2.57% discount on SVR)
Subsequent rate (SVR)
4.09% variable
Overall cost for comparison
3.8% APRC
Available in branch only.
More information
Application feeNo fee
Arrangement fee£1,999 with an option to add to the loan
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.00% of amount paid, in the first year

- 0.50% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Leeds Building Society 2 year fixed
Maximum LTV
85%
Initial rate
1.53% fixed until 31 Jan 2024
Subsequent rate (SVR)
5.29% variable
Overall cost for comparison
4.5% APRC
The initial rate will be followed by a rate of 4.04% until 31 Jan 2027 (1.25% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, before 31 Jan 2023

- then 2.00% of amount paid, until 31 Jan 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Leeds Building Society 2 year fixed cashback mortgage
Maximum LTV
85%
Initial rate
1.53% fixed until 31 Jan 2024
Subsequent rate (SVR)
5.29% variable
Overall cost for comparison
4.5% APRC
The initial rate will be followed by a rate of 4.04% until 31 Jan 2027 (1.25% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, before 31 Jan 2023

- then 2.00% of amount paid, until 31 Jan 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Yorkshire Building Society 2 year fixed remortgage
Maximum LTV
85%
Initial rate
1.54% fixed until 29 Feb 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.4% APRC
The initial rate will be followed by a rate of 3.75% until 28 Feb 2027 (0.74% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£1,495 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.50% of amount paid, before 28 Feb 2023

- then 1.50% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Yorkshire Building Society 2 year fixed remortgage
Maximum LTV
85%
Initial rate
1.54% fixed until 29 Feb 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.4% APRC
The initial rate will be followed by a rate of 3.75% until 28 Feb 2027 (0.74% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£1,495 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.50% of amount paid, before 28 Feb 2023

- then 1.50% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Barclays 2 year fixed
Maximum LTV
85%
Initial rate
1.56% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
3.3% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Nationwide 2 year fixed
Maximum LTV
85%
Initial rate
1.57% fixed for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.4% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.50% of the outstanding balance, in the first year

- 0.75% of the outstanding balance, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
The Cumberland 2 year fixed
Maximum LTV
85%
Initial rate
1.57% fixed until 01 Jan 2024
Subsequent rate (SVR)
4.09% variable
Overall cost for comparison
3.9% APRC
Available in branch only.
More information
Application feeNo fee
Arrangement fee£1,999 with an option to add to the loan
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 01 Jan 2023

- then 1.00% of amount paid, until 01 Jan 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Overall representative example

Based on borrowing£170,000 over 25 yearsThe overall cost of comparison3.65% APRC representative
Initial rate2.07% fixed for 2 years (24 instalments of £709.38pm)Subsequent rate (SVR)3.88% variable for the remaining 23 years (276 instalments of £875.92pm)
Lender fee£549Total amount payable£259,327.90

Which is the best 85% mortgage deal?

The best mortgage deal will offer you the money you need for your mortgage at the lowest cost over the term. To get you started, use this comparison to check the:

  • Maximum loan to value (LTV): This is the most you can borrow against the value of a property, e.g. you could borrow £170k on a property worth £200k with an 85% LTV.

  • Initial rate: This is the rate you pay until the end of the mortgage deal, e.g. 3% for 3 years. You can find mortgage deals that range from 1 to 10 years.

  • Standard variable rate (SVR): This is the rate you pay after the initial rate ends. Then you can switch to a better rate with your lender or remortgage to another.

  • Overall cost for comparison: This is the average of the initial rate and SVR over a 25 year period, including any mortgage fees.

You can only apply for an 85% mortgage deal if you have at least a 15% deposit or 15% equity in your property.

Alternatively, if you rent out your property you can compare 85% buy to let mortgages here instead.

Here is help choosing the right mortgage deal

What types of mortgage rate are there?

There are two main types of interest rate you can get with an 85% mortgage:

  • Variable: This could be a tracker, capped or standard variable rate which can go up or down if the lender decides, or if the Bank of England base rate changes.

  • Fixed: You agree to a fixed interest rate for a set term during your mortgage. You can choose a new fixed term after the set term is over, or let the mortgage revert to its standard variable rate (SVR).

Most banks or building societies offer either a variable or fixed interest rate with a fee or without. The interest rate is usually lower when you pay a fee. It's important to compare prices with different mortgage providers to make sure that you're not just finding a cheap mortgage but that it's one you can afford and one that works for you.

Here is everything you need to know about mortgages

How can I find the right 85% mortgage for me?

The right mortgage for you will depend on factors including how much you can afford to pay in fees and interest, and how much you are looking to borrow. It's important to think about different scenarios and not to just focus on the interest and finding cheap mortgage rates.

For example, a low interest mortgage might be cheaper in the long run but if it's a variable rate mortgage, it could become more expensive when interest rates rise.

It's worth remembering that the best mortgage interest rates are reserved for those with a large deposit and an excellent credit score. Find out how to improve your credit score in our guide.

85% mortgage FAQs

No, you need to have at least a 15% deposit to apply for an 85% mortgage. Here is how to find a mortgage that does not need a deposit.

Putting some money aside each month will let you build a deposit over time. Here are more ways to save up for a mortgage deposit.

Yes, it gives lenders an idea of how likely you are to make your repayments. Here is how to improve your chances of getting accepted for a mortgage.

Lenders usually offer better rates for lower LTV mortgages. Compare rates from as many lenders to find the best rate for the LTV you can get.

Check if you can afford one by working out how much you earn and spend. Compare this to how much buying a home will cost you.

About our 85% mortgage comparison

We include mortgages from every lender in the UK. They are all from lenders regulated by the Financial Conduct Authority. Here is more information about how our website works.

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and the deal you get is not affected.

Last updated: 11 October, 2021

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