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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		Type	Initial Deal		ERC	Subsequent Rate	APR	Max LTV
		Type	Interest Rate	End Date	ERC	Subsequent Rate	APR	Max LTV
Promoted Results
	Chelsea Building Society 5 Year BBR+2.74% Tracker 85% LTV £1M £1,545 Fee	Tracker	3.24%	31 Jul 2015		4.24%	5.1%	85%
	Chelsea Building Society 2 Year 3.29% Fixed 85% LTV £1M £1,545 Fee	Fixed Rate	3.29%	31 Jul 2015		5.79%	5.5%	85%
	Post Office 2 Year 3.29% Fixed 85% LTV £750K £1,190 Fee	Fixed Rate	3.29%	31 Aug 2015		4.49%	4.4%	85%
	Yorkshire BS 2 Year 3.44% Fixed 85% LTV £1M £975 Fee	Fixed Rate	3.44%	30 Jun 2015		4.99%	4.9%	85%
	Principality Building Society 2 Year 3.49% Fixed 85% LTV £250K £999 Fee	Fixed Rate	3.49%	30 Jun 2015		4.99%	5.0%	85%
	Chelsea Building Society Offset 2 Year 3.49% Fixed 85% LTV £1M £1,545 Fee	Fixed Rate	3.49%	31 Jul 2015		5.79%	5.5%	85%
	Post Office 2 Year 3.49% Fixed 85% LTV £750K £195 Fee	Fixed Rate	3.49%	31 Aug 2015		4.49%	4.4%	85%
	Chelsea Building Society 2 Year BBR+3.04% Tracker 85% LTV £1M £500 Cashback £745 Fee	Tracker	3.54%	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 Rate	3.59%	31 Jul 2015		5.79%	5.5%	85%
	Chelsea Building Society 2 Year 3.59% Fixed 90% LTV £1M £1,545 Fee	Fixed Rate	3.59%	31 Jul 2015		5.79%	5.5%	90%
	Chelsea Building Society 2 Year 3.59% Fixed 85% LTV £1M £500 Cashback £745 Fee	Fixed Rate	3.59%	31 Jul 2015		5.79%	5.5%	85%
	Chelsea Building Society 2 Year 3.59% Fixed 85% LTV £1M £745 Fee	Fixed Rate	3.59%	31 Jul 2015		5.79%	5.5%	85%
	Yorkshire BS Offset 2 Year BBR+3.09% Tracker 85% LTV £1M £975 Fee	Tracker	3.59%	30 Jun 2015		4.99%	4.9%	85%
	Chelsea Building Society 5 Year BBR+3.14% Tracker 90% LTV £1M £1,545 Fee	Tracker	3.64%	31 Jul 2015		4.59%	5.2%	90%
	Yorkshire BS 2 Year 3.64% Fixed 90% LTV £1M £975 Fee	Fixed Rate	3.64%	30 Jun 2015		4.99%	4.9%	90%
	Yorkshire BS Offset 2 Year 3.64% Fixed 85% LTV £1M £975 Fee	Fixed Rate	3.64%	30 Jun 2015		4.99%	4.9%	85%
	Principality Building Society 4 Year 3.69% Fixed 85% LTV £250K £999 Fee	Fixed Rate	3.69%	30 Jun 2017		4.99%	4.8%	85%
	Post Office 5 Year 3.69% Fixed 85% LTV £750K £1,190 Fee	Fixed Rate	3.69%	31 Aug 2018		4.49%	4.3%	85%
	Principality Building Society 2 Year 1.3% Discount 85% LTV £250K £999 Fee	Variable	3.69%	30 Jun 2015		4.99%	5.0%	85%
	Yorkshire BS 2 Year BBR+3.19% Tracker 85% LTV £1M £500 Cashback £475 Fee	Tracker	3.69%	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	Tracker	3.74%	31 Jul 2015		5.79%	5.6%	85%
	Chelsea Building Society Offset 2 Year BBR+3.24% Tracker 85% LTV £1M £745 Fee	Tracker	3.74%	31 Jul 2015		5.79%	5.6%	85%
	Principality Building Society 3 Year 1.2% Discount 85% LTV £250K £99 Cashback £99 Fee	Variable	3.79%	30 Jun 2016		4.99%	4.9%	85%
	Chelsea Building Society Offset 2 Year 3.79% Fixed 90% LTV £1M £1,545 Fee	Fixed Rate	3.79%	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 Rate	3.79%	31 Jul 2015		5.79%	5.6%	85%
	Chelsea Building Society Offset 2 Year 3.79% Fixed 85% LTV £1M £745 Fee	Fixed Rate	3.79%	31 Jul 2015		5.79%	5.6%	85%
	Post Office 2 Year BBR+3.29% Tracker 85% LTV £750K £1,190 Fee	Tracker	3.79%	31 Aug 2015		4.49%	4.5%	85%
	Post Office 3 Year 3.79% Fixed 85% LTV £750K £1,190 Fee	Fixed Rate	3.79%	31 Aug 2016		4.49%	4.5%	85%
	Yorkshire BS Offset 2 Year 3.84% Fixed 90% LTV £1M £975 Fee	Fixed Rate	3.84%	30 Jun 2015		4.99%	4.9%	90%
	Yorkshire BS Offset 2 Year BBR+3.39% Tracker 85% LTV £1M £500 Cashback £475 Fee	Tracker	3.89%	30 Jun 2015		4.99%	4.9%	85%
	Yorkshire BS Offset 2 Year BBR+3.39% Tracker 85% LTV £1M £475 Fee	Tracker	3.89%	30 Jun 2015		4.99%	4.9%	85%
	Chelsea Building Society 2 Year 3.94% Fixed 90% LTV £1M £745 Fee	Fixed Rate	3.94%	31 Jul 2015		5.79%	5.6%	90%
	Santander 2 Year 3.94% Fixed 85% LTV £550K £250 Cashback No Fee	Fixed Rate	3.94%	02 Aug 2015		4.74%	4.7%	85%
	Chelsea Building Society 2 Year 3.94% Fixed 90% LTV £1M £500 Cashback £745 Fee	Fixed Rate	3.94%	31 Jul 2015		5.79%	5.6%	90%
	Post Office 2 Year 3.99% Fixed 90% LTV £500K £1,690 Fee	Fixed Rate	3.99%	31 Aug 2015		4.49%	4.6%	90%
	NatWest 2 Year 3.99% Fixed 85% LTV £1M No Fee	Fixed Rate	3.99%	31 Oct 2015		4%	4.1%	85%
	Post Office 5 Year 3.99% Fixed 85% LTV £750K £195 Fee	Fixed Rate	3.99%	31 Aug 2018		4.49%	4.5%	85%
	RBS 2 Year 3.99% Fixed 85% LTV £1M No Fee	Fixed Rate	3.99%	31 Oct 2015		4%	4.1%	85%
	Chelsea Building Society Offset 3 Year 4.04% Fixed 85% LTV £1M £1,545 Fee	Fixed Rate	4.04%	31 Jul 2016		5.79%	5.5%	85%
	Virgin 2 Year 4.05% Fixed 85% LTV £425K £1,094 Fee	Fixed Rate	4.05%	01 Oct 2015		4.79%	4.7%	85%	0845 322 8311
	Chelsea Building Society 3 Year 4.09% Fixed 85% LTV £1M £500 Cashback £745 Fee	Fixed Rate	4.09%	31 Jul 2016		5.79%	5.5%	85%
	Post Office 2 Year 4.09% Fixed 85% LTV £750K £195 Fee	Fixed Rate	4.09%	31 Aug 2015		4.49%	4.5%	85%
	Post Office 2 Year 4.09% Fixed 85% LTV £750K £195 Fee	Fixed Rate	4.09%	31 Aug 2015		4.49%	4.5%	85%
	Yorkshire BS Offset 3 Year 4.09% Fixed 85% LTV £1M £975 Fee	Fixed Rate	4.09%	30 Jun 2016		4.99%	4.9%	85%
	Virgin 2 Year 4.14% Fixed 85% LTV £1M £99 Fee	Fixed Rate	4.14%	01 Oct 2015		4.79%	4.7%	85%	0845 322 8311
	Chelsea Building Society Offset 5 Year 4.14% Fixed 85% LTV £1M £1,545 Fee	Fixed Rate	4.14%	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 Rate	4.14%	31 Jul 2015		5.79%	5.6%	90%
	Chelsea Building Society Offset 2 Year 4.14% Fixed 90% LTV £1M £745 Fee	Fixed Rate	4.14%	31 Jul 2015		5.79%	5.6%	90%
	Yorkshire BS 3 Year 4.14% Fixed 85% LTV £1M £1000 Cashback £130 Fee	Fixed Rate	4.14%	30 Jun 2016		4.99%	4.9%	85%
	Post Office 3 Year 4.19% Fixed 85% LTV £750K £195 Fee	Fixed Rate	4.19%	31 Aug 2016		4.49%	4.5%	85%
	Post Office 3 Year 4.19% Fixed 85% LTV £750K £195 Fee	Fixed Rate	4.19%	31 Aug 2016		4.49%	4.5%	85%
	Virgin 5 Year 4.19% Fixed 85% LTV £1M £1,094 Fee	Fixed Rate	4.19%	01 Oct 2018		4.79%	4.6%	85%	0845 322 8311
	Yorkshire BS 3 Year 4.19% Fixed 85% LTV £1M £475 Fee	Fixed Rate	4.19%	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 Rate	4.29%	31 Jul 2016		5.79%	5.5%	85%
	Santander 2 Year BBR+3.79% Tracker 85% LTV £550K £250 Cashback No Fee	Tracker	4.29%	24 months		4.74%	4.8%	85%
	Santander 2 Year BBR+3.79% Tracker 85% LTV £550K £250 Cashback No Fee	Tracker	4.29%	24 months		4.74%	4.8%	85%
	Santander 2 Year 4.29% Fixed 85% LTV £550K £250 Cashback No Fee	Fixed Rate	4.29%	02 Aug 2015		4.74%	4.8%	85%
	Santander 2 Year 4.29% Fixed 85% LTV £550K £250 Cashback No Fee	Fixed Rate	4.29%	02 Aug 2015		4.74%	4.8%	85%
	Chelsea Building Society Offset 3 Year 4.34% Fixed 90% LTV £1M £1,545 Fee	Fixed Rate	4.34%	31 Jul 2016		5.79%	5.5%	90%
	Yorkshire BS Offset 3 Year 4.34% Fixed 85% LTV £1M £1000 Cashback £130 Fee	Fixed Rate	4.34%	30 Jun 2016		4.99%	4.9%	85%
Full Results
	Ulster Bank 2 Year 2.4% Fixed 100% LTV £132K £595 Fee	Fixed Rate	2.40%	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 Rate	2.80%	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 Rate	2.80%	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 Rate	2.89%	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	Variable	2.95%	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	Variable	2.99%	36 months		5.19%	4.9%	85%
	Leek United 3 Year 2.2% Discount 85% LTV £500K £100 Fee	Variable	2.99%	36 months		5.19%	4.9%	85%
	Leek United 3 Year 2.2% Discount 85% LTV £500K £250 Cashback £995 Fee	Variable	2.99%	36 months		5.19%	4.8%	85%
	Loughborough 2 Year 2% Discount 85% LTV £300K £499 Fee	Variable	2.99%	24 months	---	4.99%	4.9%	85%
	Leek United 2 Year 3.09% Fixed 85% LTV £500K £250 Cashback £995 Fee	Fixed Rate	3.09%	31 Oct 2015		5.19%	5.1%	85%
	Monmouthshire Building Society 3 Year 1.89% Discount 85% LTV £250K No Fee	Variable	3.10%	36 months		4.99%	4.6%	85%
	Bath Building Society 3 Year 2.1% Discount 85% LTV £500K £100 + 0.4% Fees	Variable	3.19%	36 months		5.29%	5.1%	85%
	Leeds Building Society 2 Year 3.19% Fixed 85% LTV £500K £999 Fee	Fixed Rate	3.19%	31 Aug 2015		5.69%	---	85%
	Loughborough 3 Year 1.8% Discount 85% LTV £300K £499 Fee	Variable	3.19%	36 months		4.99%	4.8%	85%
	Marsden 2 Year 2.76% Discount 85% LTV £350K £250 Cashback £798 Fee	Variable	3.19%	31 Jul 2015		5.95%	5.5%	85%
	Marsden 2 Year 2.76% Discount 85% LTV £350K £798 Fee	Variable	3.19%	31 Jul 2015		5.95%	5.5%	85%
	Tipton & Coseley 2 Year 1.8% Discount 85% LTV £350K 0.4% Fee	Variable	3.19%	31 May 2015		4.99%	4.8%	85%
	Tipton & Coseley 3 Year 1.8% Discount 85% LTV £350K 0.4% Fee	Variable	3.19%	31 May 2016		4.99%	4.8%	85%
	Chelsea Building Society 5 Year BBR+2.74% Tracker 85% LTV £1M £1,545 Fee	Tracker	3.24%	31 Jul 2015		4.24%	5.1%	85%
	Tesco Bank 2 Year BBR+2.75% Tracker 85% LTV £500K £995 Fee	Tracker	3.25%	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.

	Tracker		Remortgages
	Fixed Rate		First Time Buyer
	Buy To Let

Compare 85% Mortgages

How to Find the Best 85% Mortgages

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