Compare 85% Mortgages

Compare the best 85% mortgages currently on offer side by side using our comparison of the cheapest 85% mortgage rates from every UK lender, and find the 85 percent mortgage deals that best suit your circumstances in minutes. We make it easy to find the best 85% ltv mortgages in return for your 15% deposit so you can save.
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TypeInitial DealERCSubsequent RateAPRMax LTV 
Interest RateEnd Date 
Promoted Results
Chelsea Building Society
 
5 Year BBR+2.74% Tracker 85% LTV £1M £1,545 Fee
Tracker3.24%31 Jul
2015
4.24%5.1%85%
Chelsea Building Society
 
2 Year 3.29% Fixed 85% LTV £1M £1,545 Fee
Fixed Rate3.29%31 Jul
2015
5.79%5.5%85%
Post Office
2 Year 3.29% Fixed 85% LTV £750K £1,190 Fee
Fixed Rate3.29%31 Aug
2015
4.49%4.4%85%
Yorkshire BS
2 Year 3.44% Fixed 85% LTV £1M £975 Fee
Fixed Rate3.44%30 Jun
2015
4.99%4.9%85%
Principality Building Society
 
2 Year 3.49% Fixed 85% LTV £250K £999 Fee
Fixed Rate3.49%30 Jun
2015
4.99%5.0%85%
Chelsea Building Society
 
Offset 2 Year 3.49% Fixed 85% LTV £1M £1,545 Fee
Fixed Rate3.49%31 Jul
2015
5.79%5.5%85%
Post Office
2 Year 3.49% Fixed 85% LTV £750K £195 Fee
Fixed Rate3.49%31 Aug
2015
4.49%4.4%85%
Chelsea Building Society
 
2 Year BBR+3.04% Tracker 85% LTV £1M £500 Cashback £745 Fee
Tracker3.54%31 Jul
2015
5.79%5.5%85%
Chelsea Building Society
 
2 Year 3.59% Fixed 85% LTV £1M 1% Cashback £1,345 Fee
Fixed Rate3.59%31 Jul
2015
5.79%5.5%85%
Chelsea Building Society
 
2 Year 3.59% Fixed 90% LTV £1M £1,545 Fee
Fixed Rate3.59%31 Jul
2015
5.79%5.5%90%
Chelsea Building Society
 
2 Year 3.59% Fixed 85% LTV £1M £500 Cashback £745 Fee
Fixed Rate3.59%31 Jul
2015
5.79%5.5%85%
Chelsea Building Society
 
2 Year 3.59% Fixed 85% LTV £1M £745 Fee
Fixed Rate3.59%31 Jul
2015
5.79%5.5%85%
Yorkshire BS
Offset 2 Year BBR+3.09% Tracker 85% LTV £1M £975 Fee
Tracker3.59%30 Jun
2015
4.99%4.9%85%
Chelsea Building Society
 
5 Year BBR+3.14% Tracker 90% LTV £1M £1,545 Fee
Tracker3.64%31 Jul
2015
4.59%5.2%90%
Yorkshire BS
2 Year 3.64% Fixed 90% LTV £1M £975 Fee
Fixed Rate3.64%30 Jun
2015
4.99%4.9%90%
Yorkshire BS
Offset 2 Year 3.64% Fixed 85% LTV £1M £975 Fee
Fixed Rate3.64%30 Jun
2015
4.99%4.9%85%
Principality Building Society
 
4 Year 3.69% Fixed 85% LTV £250K £999 Fee
Fixed Rate3.69%30 Jun
2017
4.99%4.8%85%
Post Office
5 Year 3.69% Fixed 85% LTV £750K £1,190 Fee
Fixed Rate3.69%31 Aug
2018
4.49%4.3%85%
Principality Building Society
 
2 Year 1.3% Discount 85% LTV £250K £999 Fee
Variable3.69%30 Jun
2015
4.99%5.0%85%
Yorkshire BS
2 Year BBR+3.19% Tracker 85% LTV £1M £500 Cashback £475 Fee
Tracker3.69%30 Jun
2015
4.99%4.9%85%
Chelsea Building Society
 
Offset 2 Year BBR+3.24% Tracker 85% LTV £1M £500 Cashback £745 Fee
Tracker3.74%31 Jul
2015
5.79%5.6%85%
Chelsea Building Society
 
Offset 2 Year BBR+3.24% Tracker 85% LTV £1M £745 Fee
Tracker3.74%31 Jul
2015
5.79%5.6%85%
Principality Building Society
 
3 Year 1.2% Discount 85% LTV £250K £99 Cashback £99 Fee
Variable3.79%30 Jun
2016
4.99%4.9%85%
Chelsea Building Society
 
Offset 2 Year 3.79% Fixed 90% LTV £1M £1,545 Fee
Fixed Rate3.79%31 Jul
2015
5.79%5.6%90%
Chelsea Building Society
 
Offset 2 Year 3.79% Fixed 85% LTV £1M £500 Cashback £745 Fee
Fixed Rate3.79%31 Jul
2015
5.79%5.6%85%
Chelsea Building Society
 
Offset 2 Year 3.79% Fixed 85% LTV £1M £745 Fee
Fixed Rate3.79%31 Jul
2015
5.79%5.6%85%
Post Office
2 Year BBR+3.29% Tracker 85% LTV £750K £1,190 Fee
Tracker3.79%31 Aug
2015
4.49%4.5%85%
Post Office
3 Year 3.79% Fixed 85% LTV £750K £1,190 Fee
Fixed Rate3.79%31 Aug
2016
4.49%4.5%85%
Yorkshire BS
Offset 2 Year 3.84% Fixed 90% LTV £1M £975 Fee
Fixed Rate3.84%30 Jun
2015
4.99%4.9%90%
Yorkshire BS
Offset 2 Year BBR+3.39% Tracker 85% LTV £1M £500 Cashback £475 Fee
Tracker3.89%30 Jun
2015
4.99%4.9%85%
Yorkshire BS
Offset 2 Year BBR+3.39% Tracker 85% LTV £1M £475 Fee
Tracker3.89%30 Jun
2015
4.99%4.9%85%
Chelsea Building Society
 
2 Year 3.94% Fixed 90% LTV £1M £745 Fee
Fixed Rate3.94%31 Jul
2015
5.79%5.6%90%
Santander
2 Year 3.94% Fixed 85% LTV £550K £250 Cashback No Fee
Fixed Rate3.94%02 Aug
2015
4.74%4.7%85%
Chelsea Building Society
 
2 Year 3.94% Fixed 90% LTV £1M £500 Cashback £745 Fee
Fixed Rate3.94%31 Jul
2015
5.79%5.6%90%
Post Office
2 Year 3.99% Fixed 90% LTV £500K £1,690 Fee
Fixed Rate3.99%31 Aug
2015
4.49%4.6%90%
NatWest
2 Year 3.99% Fixed 85% LTV £1M No Fee
Fixed Rate3.99%31 Oct
2015
4%4.1%85%
Post Office
5 Year 3.99% Fixed 85% LTV £750K £195 Fee
Fixed Rate3.99%31 Aug
2018
4.49%4.5%85%
RBS
2 Year 3.99% Fixed 85% LTV £1M No Fee
Fixed Rate3.99%31 Oct
2015
4%4.1%85%
Chelsea Building Society
 
Offset 3 Year 4.04% Fixed 85% LTV £1M £1,545 Fee
Fixed Rate4.04%31 Jul
2016
5.79%5.5%85%
Virgin
2 Year 4.05% Fixed 85% LTV £425K £1,094 Fee
Fixed Rate4.05%01 Oct
2015
4.79%4.7%85%
Tel 0845 322 8311 0845 322 8311
Chelsea Building Society
 
3 Year 4.09% Fixed 85% LTV £1M £500 Cashback £745 Fee
Fixed Rate4.09%31 Jul
2016
5.79%5.5%85%
Post Office
2 Year 4.09% Fixed 85% LTV £750K £195 Fee
Fixed Rate4.09%31 Aug
2015
4.49%4.5%85%
Post Office
2 Year 4.09% Fixed 85% LTV £750K £195 Fee
Fixed Rate4.09%31 Aug
2015
4.49%4.5%85%
Yorkshire BS
Offset 3 Year 4.09% Fixed 85% LTV £1M £975 Fee
Fixed Rate4.09%30 Jun
2016
4.99%4.9%85%
Virgin
2 Year 4.14% Fixed 85% LTV £1M £99 Fee
Fixed Rate4.14%01 Oct
2015
4.79%4.7%85%
Tel 0845 322 8311 0845 322 8311
Chelsea Building Society
 
Offset 5 Year 4.14% Fixed 85% LTV £1M £1,545 Fee
Fixed Rate4.14%31 Jul
2018
5.79%5.2%85%
Chelsea Building Society
 
Offset 2 Year 4.14% Fixed 90% LTV £1M £500 Cashback £745 Fee
Fixed Rate4.14%31 Jul
2015
5.79%5.6%90%
Chelsea Building Society
 
Offset 2 Year 4.14% Fixed 90% LTV £1M £745 Fee
Fixed Rate4.14%31 Jul
2015
5.79%5.6%90%
Yorkshire BS
3 Year 4.14% Fixed 85% LTV £1M £1000 Cashback £130 Fee
Fixed Rate4.14%30 Jun
2016
4.99%4.9%85%
Post Office
3 Year 4.19% Fixed 85% LTV £750K £195 Fee
Fixed Rate4.19%31 Aug
2016
4.49%4.5%85%
Post Office
3 Year 4.19% Fixed 85% LTV £750K £195 Fee
Fixed Rate4.19%31 Aug
2016
4.49%4.5%85%
Virgin
5 Year 4.19% Fixed 85% LTV £1M £1,094 Fee
Fixed Rate4.19%01 Oct
2018
4.79%4.6%85%
Tel 0845 322 8311 0845 322 8311
Yorkshire BS
3 Year 4.19% Fixed 85% LTV £1M £475 Fee
Fixed Rate4.19%30 Jun
2016
4.99%4.9%85%
Chelsea Building Society
 
Offset 3 Year 4.29% Fixed 85% LTV £1M £500 Cashback £745 Fee
Fixed Rate4.29%31 Jul
2016
5.79%5.5%85%
Santander
2 Year BBR+3.79% Tracker 85% LTV £550K £250 Cashback No Fee
Tracker4.29%
24
months
4.74%4.8%85%
Santander
2 Year BBR+3.79% Tracker 85% LTV £550K £250 Cashback No Fee
Tracker4.29%
24
months
4.74%4.8%85%
Santander
2 Year 4.29% Fixed 85% LTV £550K £250 Cashback No Fee
Fixed Rate4.29%02 Aug
2015
4.74%4.8%85%
Santander
2 Year 4.29% Fixed 85% LTV £550K £250 Cashback No Fee
Fixed Rate4.29%02 Aug
2015
4.74%4.8%85%
Chelsea Building Society
 
Offset 3 Year 4.34% Fixed 90% LTV £1M £1,545 Fee
Fixed Rate4.34%31 Jul
2016
5.79%5.5%90%
Yorkshire BS
Offset 3 Year 4.34% Fixed 85% LTV £1M £1000 Cashback £130 Fee
Fixed Rate4.34%30 Jun
2016
4.99%4.9%85%
Full Results
Ulster Bank
2 Year 2.4% Fixed 100% LTV £132K £595 Fee
Fixed Rate2.40%30 Jun
2015
4%3.8%100%
Co-ownership mortgage. Available only to first time buyers in Northern Ireland.
Ulster Bank
2 Year 2.8% Fixed 100% LTV £132K No Fee
Fixed Rate2.80%30 Jun
2015
4%3.9%100%
Co-ownership mortgage. Available only to first time buyers in Northern Ireland.
Ulster Bank
2 Year 2.8% Fixed 100% LTV £132K No Fee
Fixed Rate2.80%30 Jun
2015
4%3.9%100%
Co-ownership mortgage. Available only to first time buyers in Northern Ireland.
Ulster Bank
2 Year 2.89% Fixed 100% LTV £132K £595 Fee
Fixed Rate2.89%30 Jun
2015
4%3.9%100%
Co-ownership mortgage. Available only to first time buyers in Northern Ireland.
Ulster Bank
2 Year 1.05% Discount 100% LTV £158K £595 Fee
Variable2.95%30 Jun
2015
4%3.9%100%
Co-ownership mortgage. Available only to first time buyers in Northern Ireland.
Leek United
3 Year 2.2% Discount 85% LTV £500K £300 Cashback £100 Fee
Variable2.99%
36
months
5.19%4.9%85%
Leek United
3 Year 2.2% Discount 85% LTV £500K £100 Fee
Variable2.99%
36
months
5.19%4.9%85%
Leek United
3 Year 2.2% Discount 85% LTV £500K £250 Cashback £995 Fee
Variable2.99%
36
months
5.19%4.8%85%
Loughborough
2 Year 2% Discount 85% LTV £300K £499 Fee
Variable2.99%
24
months
---
4.99%4.9%85%
Leek United
2 Year 3.09% Fixed 85% LTV £500K £250 Cashback £995 Fee
Fixed Rate3.09%31 Oct
2015
5.19%5.1%85%
Monmouthshire Building Society
 
3 Year 1.89% Discount 85% LTV £250K No Fee
Variable3.10%
36
months
4.99%4.6%85%
Bath Building Society
 
3 Year 2.1% Discount 85% LTV £500K £100 + 0.4% Fees
Variable3.19%
36
months
5.29%5.1%85%
Leeds Building Society
 
2 Year 3.19% Fixed 85% LTV £500K £999 Fee
Fixed Rate3.19%31 Aug
2015
5.69%
---
85%
Loughborough
3 Year 1.8% Discount 85% LTV £300K £499 Fee
Variable3.19%
36
months
4.99%4.8%85%
Marsden
2 Year 2.76% Discount 85% LTV £350K £250 Cashback £798 Fee
Variable3.19%31 Jul
2015
5.95%5.5%85%
Marsden
2 Year 2.76% Discount 85% LTV £350K £798 Fee
Variable3.19%31 Jul
2015
5.95%5.5%85%
Tipton & Coseley
 
2 Year 1.8% Discount 85% LTV £350K 0.4% Fee
Variable3.19%31 May
2015
4.99%4.8%85%
Tipton & Coseley
 
3 Year 1.8% Discount 85% LTV £350K 0.4% Fee
Variable3.19%31 May
2016
4.99%4.8%85%
Chelsea Building Society
 
5 Year BBR+2.74% Tracker 85% LTV £1M £1,545 Fee
Tracker3.24%31 Jul
2015
4.24%5.1%85%
Tesco Bank
2 Year BBR+2.75% Tracker 85% LTV £500K £995 Fee
Tracker3.25%31 Aug
2015
4.24%4.3%85%
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How to Find the Best 85% Mortgages

85% ltv mortgages, those that allow you to borrow 85% or more of your property's value, may be harder to find now than a few years ago, but they are still available.

In fact a wide range of different types of mortgages are still available at this level of loan to value.

These include a range of regular fixed, discounted or tracker deals, as well as offset and current account mortgage deals 85% ltv.

The choice of 85% buy to let mortgages is more limited as lenders usually require a deposit of at least 25% before extending a buy to let mortgage, however they are still available.

The same can be said for 85% mortgages first time buyer deals so you should still be able to get on the property ladder with a 15% deposit.

When seeking the best mortgage deal 85% ltv for your circumstances, you should not automatically assume that the one with the lowest interest rate is the best 85% mortgage deal out there.

Instead you should pay attention to the fees to be charged on the deal, in particular the application fee as this could add a significant cost.

You also need to check whether there will be a higher lending charge as some lenders will impose this charge for 85% ltv mortgage loans, while others will not.

Make sure to also check the flexibility of the mortgage deal too and find out whether you're able to make overpayments or underpayments should you want or need to.

Checking your eligibility for the deal before you apply is also essential as applying for a mortgage deal you don't stand a chance of getting is not only a waste of time and money, but also could harm your credit rating and in doing so impede your chance of getting approved for a mortgage deal at all.

Mortgages Comparison