Remortgaging - when/if to adjust LTV

Matt1il

Hi all, hoping for some advice.

I have my fixed term coming to an end in Feb '18.

I'm aware my LTV could be just under the 15:85 ratio, so was wondering what's the best way to get it up to that level. If I used my current expected house value LTV could be ~86%.

I'm hoping to have some money in Feb to add to this to bring it down to 85%.

So my question is do I wait until the valuation part of the process to determine if I have a 85% LTV (if the lender says it's worth more than I'm expecting) or would that be too late as I'd have already chosen a product. Can I then add money into the deal to bring it into the 85% range?

There's the added bit that different lenders have better rates depending on a 85%/90% LTV so not sure on what to do there either. Do I need to pick one before I know?

Thanks,
Matt