Compare 85% LTV Mortgages

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You have a 85% loan-to-value
  • HSBC's logo'

    HSBC 2 Year Fixed

    • Initial Rate
      1.59% Fixed to 30/11/2023
    • APRC
      3.30%
    • Product Fee
      £999
    • Monthly Repayment
      £858.88
  • Virgin Money's logo'

    Virgin Money 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.59% Fixed to 01/02/2024
    • APRC
      3.80%
    • Product Fee
      £995
    • Monthly Repayment
      £858.88
    Continue on Fluent Mortgages' website + More info
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.61% Fixed to 30/11/2023
    • APRC
      3.30%
    • Product Fee
      £995
    • Monthly Repayment
      £860.89
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.61% Fixed to 30/11/2023
    • APRC
      3.30%
    • Product Fee
      £995
    • Monthly Repayment
      £860.89
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.62% Fixed to 30/11/2023
    • APRC
      3.30%
    • Product Fee
      £995
    • Monthly Repayment
      £861.90
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.62% Fixed to 30/11/2023
    • APRC
      3.30%
    • Product Fee
      £995
    • Monthly Repayment
      £861.90
  • Leeds BS's logo'

    Leeds BS 2 Year Fixed

    • Initial Rate
      1.63% Fixed to 31/12/2023
    • APRC
      4.50%
    • Product Fee
      £999
    • Monthly Repayment
      £862.91
    Continue on Fluent Mortgages' website + More info
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.63% Fixed to 30/11/2023
    • APRC
      3.30%
    • Product Fee
      £995
    • Monthly Repayment
      £862.91
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.63% Fixed to 30/11/2023
    • APRC
      3.30%
    • Product Fee
      £995
    • Monthly Repayment
      £862.91
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 2 Year Fixed

    • Initial Rate
      1.63% Fixed to 31/10/2023
    • APRC
      3.70%
    • Product Fee
      £1,495
    • Monthly Repayment
      £862.91
    Continue on Fluent Mortgages' website + More info
  • Barclays Mortgage's logo'

    Barclays Mortgage 2 Year Fixed

    • Initial Rate
      1.64% Fixed to 30/11/2023
    • APRC
      3.40%
    • Product Fee
      £999
    • Monthly Repayment
      £863.91
    Continue on Fluent Mortgages' website + More info
  • Barclays Mortgage's logo'

    Barclays Mortgage 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.64% Fixed to 30/11/2023
    • APRC
      3.40%
    • Product Fee
      £999
    • Monthly Repayment
      £863.91
    Continue on Fluent Mortgages' website + More info
  • Click here to see 1 similar product
  • Halifax's logo'

    Halifax 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.64% Fixed to 30/11/2023
    • APRC
      3.50%
    • Product Fee
      £995
    • Monthly Repayment
      £863.91
    Continue on Halifax's website + More info
  • Halifax's logo'

    Halifax 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.64% Fixed to 30/11/2023
    • APRC
      3.50%
    • Product Fee
      £995
    • Monthly Repayment
      £863.91
    Continue on Halifax's website + More info
  • Click here to see 1 similar product
  • HSBC's logo'

    HSBC 2 Year Fixed

    • Initial Rate
      1.64% Fixed to 30/11/2023
    • APRC
      3.30%
    • Product Fee
      £999
    • Monthly Repayment
      £863.91
  • Nationwide BS's logo'

    Nationwide BS 2 Year Fixed

    • Initial Rate
      1.64% Fixed for 2 years
    • APRC
      3.40%
    • Product Fee
      £999
    • Monthly Repayment
      £863.91
    Continue on Fluent Mortgages' website + More info
  • Nationwide BS's logo'

    Nationwide BS 3 Year Fixed

    • Initial Rate
      1.64% Fixed for 3 years
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £863.91
    Continue on Fluent Mortgages' website + More info
  • Virgin Money's logo'

    Virgin Money 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.64% Fixed to 01/02/2024
    • APRC
      3.80%
    • Product Fee
      £995
    • Monthly Repayment
      £863.91
    Continue on Fluent Mortgages' website + More info
  • Virgin Money's logo'

    Virgin Money 2 Year Fixed

    • Initial Rate
      1.64% Fixed to 01/02/2024
    • APRC
      3.80%
    • Product Fee
      £995
    • Monthly Repayment
      £863.91
    Continue on Fluent Mortgages' website + More info
  • Click here to see 1 similar product
  • Skipton BS's logo'

    Skipton BS 2 Year Fixed

    • Initial Rate
      1.65% Fixed to 30/11/2023
    • APRC
      4.10%
    • Product Fee
      £995
    • Monthly Repayment
      £864.92
    Continue on Fluent Mortgages' website + More info
  • Santander's logo'

    Santander 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.70% Fixed to 02/12/2023
    • APRC
      3.10%
    • Product Fee
      £999
    • Monthly Repayment
      £869.98
    Continue on Fluent Mortgages' website + More info
  • Cumberland BS's logo'

    Cumberland BS 2 Year Discounted Variable

    • Initial Rate
      1.73% Discounted Variable for 2 years (2.36% disc)
    • APRC
      3.90%
    • Product Fee
      £1,999
    • Monthly Repayment
      £873.02
    Continue on Fluent Mortgages' website + More info
  • Cumberland BS's logo'

    Cumberland BS 2 Year Discounted Variable

    • Initial Rate
      1.73% Discounted Variable for 2 years (2.36% disc)
    • APRC
      3.90%
    • Product Fee
      £1,999
    • Monthly Repayment
      £873.02
    Continue on Fluent Mortgages' website + More info
  • Click here to see 1 similar product
  • Leeds BS's logo'

    Leeds BS 2 Year Fixed

    • Initial Rate
      1.73% Fixed to 31/12/2023
    • APRC
      4.50%
    • Product Fee
      £999
    • Monthly Repayment
      £873.02
    Continue on Fluent Mortgages' website + More info

Your home may be repossessed if you do not keep up repayments on your mortgage.

The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

Our mortgage comparison service is partnered with Fluent Mortgages for selections made outside of our featured lenders. Featured lenders are firms with whom we have a direct commercial relationship.

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Last updated on 01 February 2021.

85% LTV Mortgages FAQ

What is an 85% LTV mortgage?

Loan-to-value (LTV) is the percentage of a property’s value that is provided by your mortgage lender. An 85% LTV mortgage means your deposit covers 15% of the property’s value and your mortgage covers the remaining 85%.

Are 85% LTV mortgages suitable for first-time buyers?

85% LTV mortgages can work for buyers at any rung on the property ladder. Deciding whether or not they are suitable for you depends on your individual circumstances. Think about your income, target property and saving potential and decide on whether or not you are in a position to save the 15% deposit you will need.

Is an 85% LTV mortgage cheaper than other LTVs?

The lower the LTV on a mortgage, the lower the interest is likely to be. This is because lower LTVs mean less risk for the lender.

How do I apply for an 85% LTV mortgage?

To apply for an 85% LTV mortgage, you will need to present documents including a form of ID, recent bank statements and evidence of your income. If you’re employed this will be your payslips. Self-employed people will need to look at their tax returns for the past three years. These documents help build up a profile of you for the provider, to help them judge the risk involved in lending to you.

How much is early repayment on an 85% LTV mortgage?

Early repayment can look like an appealing option if you come into a windfall or your household income increases. However, providers many implement Early Repayment Charges (ERCs).

Exactly how much it will cost you to repay your mortgage early depends on your lender and your agreement with them so check the small print before you confirm the offer.

Do I need a good credit score to get an 85% LTV mortgage?

A good credit score will help you to access competitive rates for an 85% LTV mortgage. Not all lenders will be willing to offer a mortgage to individuals with poor credit scores. Of those that do, many will implement higher interest rates to account for the perceived increase in risk.

Is there an ideal LTV for a mortgage?

The higher the LTV, the higher the interest rate is likely to be on a mortgage. But there is no ideal LTV for a mortgage as each option represents a different product designed for individuals in different financial circumstances.

To find the ideal LTV on a mortgage for you, take some time to assess your finances, how much you can realistically save, and your requirements from your property before carefully researching the market.