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

Post Office 2 Year 1.83% Fixed + Incentives
Maximum LTV
80%
Initial Rate
1.83% fixed
until 30 Jun 2017
Subsequent Rate
4.49%
Overall Cost for Comparison
4.1% APR
Yorkshire BS 2 Year BBR+1.34%
08456 195 408
Maximum LTV
85%
Initial Rate
1.84% tracker
until 30 Apr 2017
Subsequent Rate
4.99%
Overall Cost for Comparison
4.6% APR
Chelsea Building Society 2 Year BBR+1.34%
08454 852 187
Maximum LTV
85%
Initial Rate
1.84% tracker
until 30 Apr 2017
Subsequent Rate
5.45%
Overall Cost for Comparison
5.0% APR
Nationwide Flex 2 Year BBR+1.34%
Maximum LTV
80%
Initial Rate
1.84% tracker
for 24 months
Subsequent Rate
3.99%
Overall Cost for Comparison
3.7% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.
Nationwide Flex 2 Year BBR+1.34%
Maximum LTV
80%
Initial Rate
1.84% tracker
for 24 months
Subsequent Rate
3.99%
Overall Cost for Comparison
3.6% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.
The Co-operative Bank 2 Year 1.89% Fixed + Cashback
0344 844 8442
Maximum LTV
80%
Initial Rate
1.89% fixed
until 31 May 2017
Subsequent Rate
4.74%
Overall Cost for Comparison
4.3% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website.
The Co-operative Bank 2 Year 1.89% Fixed
0344 844 8442
Maximum LTV
80%
Initial Rate
1.89% fixed
until 31 May 2017
Subsequent Rate
4.74%
Overall Cost for Comparison
4.3% APR
Nationwide Flex 2 Year BBR+1.44%
Maximum LTV
80%
Initial Rate
1.94% tracker
for 24 months
Subsequent Rate
3.99%
Overall Cost for Comparison
3.6% APR
Nationwide Flex 2 Year BBR+1.44% Remortgage
Maximum LTV
80%
Initial Rate
1.94% tracker
for 24 months
Subsequent Rate
3.99%
Overall Cost for Comparison
3.6% APR
Available for remortgage only.
Nationwide Flex 2 Year BBR+1.44%
Maximum LTV
80%
Initial Rate
1.94% tracker
for 24 months
Subsequent Rate
3.99%
Overall Cost for Comparison
3.7% APR
Available for first time buyers only.
HSBC 2 Year 1.95% Discount Special
0800 077 4270
Maximum LTV
90%
Initial Rate
1.99% variable
until 30 Jun 2017
Subsequent Rate
3.94%
Overall Cost for Comparison
3.8% APR
Nationwide Flex 2 Year 1.99% Fixed
Maximum LTV
80%
Initial Rate
1.99% fixed
for 24 months
Subsequent Rate
3.99%
Overall Cost for Comparison
3.7% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.
Nationwide Flex 2 Year 1.99% Fixed
Maximum LTV
80%
Initial Rate
1.99% fixed
for 24 months
Subsequent Rate
3.99%
Overall Cost for Comparison
3.8% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.
Nationwide Flex 2 Year 1.99% Fixed
Maximum LTV
80%
Initial Rate
1.99% fixed
for 24 months
Subsequent Rate
3.99%
Overall Cost for Comparison
3.6% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.
Santander 2 Year BBR+1.49% + Cashback No Fee
0800 028 6062
Maximum LTV
80%
Initial Rate
1.99% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
4.4% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website.
Santander 2 Year BBR+1.49% Remortgage + Cashback No Fee
0800 028 6062
Maximum LTV
80%
Initial Rate
1.99% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
4.4% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website. Available for remortgage only.
Santander 2 Year BBR+1.49% Remortgage No Fee
0800 028 6062
Maximum LTV
80%
Initial Rate
1.99% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
4.4% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website. Available for remortgage only.
Virgin 2 Year BBR+1.49%
0845 322 8311
Maximum LTV
80%
Initial Rate
1.99% tracker
until 01 May 2017
Subsequent Rate
4.79%
Overall Cost for Comparison
4.4% APR
Interest only mortgages are not available where property value is less than £500k or where combined applicants income is less than £100k. Maximum LTV is 70%.
Virgin 2 Year BBR+1.49% Remortgage
0845 322 8311
Maximum LTV
80%
Initial Rate
1.99% tracker
until 01 May 2017
Subsequent Rate
4.79%
Overall Cost for Comparison
4.3% APR
Available for remortgage only. Interest only mortgages are not available where property value is less than £500k or where combined applicants income is less than £100k. Maximum LTV is 70%.
Chelsea Building Society 2 Year BBR+1.54% Offset
08454 852 187
Maximum LTV
85%
Initial Rate
2.04% tracker
until 30 Apr 2017
Subsequent Rate
5.45%
Overall Cost for Comparison
5.0% APR

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How to Find the Best 80% LTV Mortgages

by BillJ

We show you how to compare 80% LTV mortgage rates to find the best 80% mortgage deals for your home loan.

Estate agent with couple outside house

In general the bigger the deposit you're able to put down, the greater the likelihood of being able to get a good mortgage deal. With a 20% deposit, where you need an 80% LTV mortgage, you're in a strong position; however you still need to compare 80 percent mortgages to choose one that fits your purchase.

To find the best 80% LTV mortgage deals you'll need to consider what sort of borrower you are, the full amount you want to borrow, and how you want to go about paying it back.

If the proposed mortgage is for your first property, investigate the wide variety of 80% mortgage first time buyer deals available. These come in all forms, from tracker to fixed rate, so as a newcomer to the mortgage market to a reasonable degree you can take your pick.

If you're not eligible for first time buyer deals, your first need to exclude them from your 80% mortgage comparison before you start searching for the best mortgage 20% deposit. The best mortgage deals for you will depend on your circumstances, with fixed rate, tracker, discount, offset and current account mortgages all available.

Read our guide: 10 Steps to Your Perfect Mortgage to find out what you should expect with each type of deal. If there's a standout option that you think suits your needs, narrow your comparison down to those deals.

When you're looking for mortgage deals you should take into account the interest rate applied to your loan (both during and after any introductory period), plus any associated fees and/or charges as these can have a telling effect on your overall repayment.

Once you've established your needs and worked out what options are available to you, use our 80% mortgage comparison to work out monthly repayments/how much you'd repay overall with each deal. Finally, make sure the deals' terms and conditions suit your needs to get the best mortgage with 80% LTV for your dream move.