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

This comparison includes all mortgages with a maximum LTV of 85% or more.
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Yorkshire Building Society 2 Year BBR+1.34%
Maximum LTV
85%
Initial Rate
1.84% tracker
until 31 Jul 2017
Subsequent Rate
4.99%
Overall Cost for Comparison
4.6% APR
Chelsea Building Society 2 Year BBR+1.34%
Maximum LTV
85%
Initial Rate
1.84% tracker
until 31 Jul 2017
Subsequent Rate
5.45%
Overall Cost for Comparison
5.0% APR
TSB 3 Year Fixed/Stepped
Maximum LTV
85%
Initial Rate
1.84% stepped rate
variable
Subsequent Rate
3.99%
Overall Cost for Comparison
3.8% APR
TSB 3 Year Fixed/Stepped
Maximum LTV
85%
Initial Rate
1.84% stepped rate
variable
Subsequent Rate
3.99%
Overall Cost for Comparison
3.8% APR
Available via brokers only.
Chelsea Building Society 2 Year 1.94% Fixed
Maximum LTV
85%
Initial Rate
1.94% fixed
until 31 Jul 2017
Subsequent Rate
5.45%
Overall Cost for Comparison
5.0% APR
TSB 2 Year BBR+1.44%
0333 3314495
Maximum LTV
85%
Initial Rate
1.94% tracker
until 31 Oct 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.8% APR
TSB 2 Year BBR+1.44%
Maximum LTV
85%
Initial Rate
1.94% tracker
until 31 Oct 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.8% APR
Available via brokers only.
Post Office 2 Year 1.98% Fixed + Incentives
Maximum LTV
85%
Initial Rate
1.98% fixed
until 30 Sep 2017
Subsequent Rate
4.49%
Overall Cost for Comparison
4.2% APR
HSBC 2 Year 1.95% Discount Special
0800 077 4270
Maximum LTV
90%
Initial Rate
1.99% variable
for 24 months
Subsequent Rate
3.94%
Overall Cost for Comparison
3.8% APR
The Co-operative Bank 2 Year 1.99% Fixed + Cashback
Maximum LTV
85%
Initial Rate
1.99% fixed
until 31 Aug 2017
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.
The Co-operative Bank 2 Year 1.99% Fixed
Maximum LTV
85%
Initial Rate
1.99% fixed
until 31 Aug 2017
Subsequent Rate
4.74%
Overall Cost for Comparison
4.4% APR
Yorkshire Building Society Flexi 2 Year 1.99% Fixed
Maximum LTV
85%
Initial Rate
1.99% fixed
until 31 Jul 2017
Subsequent Rate
4.99%
Overall Cost for Comparison
4.6% APR
Leeds Building Society 2 Year 2.05% Fixed
Maximum LTV
85%
Initial Rate
2.05% fixed
until 31 Aug 2017
Subsequent Rate
5.69%
Overall Cost for Comparison
5.2% APR
TSB 2 Year BBR+1.59% Remortgage + Cashback
0333 3314495
Maximum LTV
85%
Initial Rate
2.09% tracker
until 31 Oct 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.8% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website. Available for remortgage only.
TSB 2 Year BBR+1.59% Remortgage
0333 3314495
Maximum LTV
85%
Initial Rate
2.09% tracker
until 31 Oct 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.8% APR
Available for remortgage only.
TSB 2 Year BBR+1.59% Remortgage
Maximum LTV
85%
Initial Rate
2.09% tracker
until 31 Oct 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.9% APR
Available for remortgage and via brokers only.
Virgin 2 Year 2.09% Fixed + Cashback
0333 222 0201
Maximum LTV
85%
Initial Rate
2.09% fixed
until 01 Oct 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 2.09% Fixed Remortgage
0333 222 0201
Maximum LTV
85%
Initial Rate
2.09% fixed
until 01 Oct 2017
Subsequent Rate
4.79%
Overall Cost for Comparison
4.4% 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%.
TSB 2 Year 2.14% Fixed
0333 3314495
Maximum LTV
85%
Initial Rate
2.14% fixed
until 31 Oct 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.9% APR
Santander 2 Year 2.14% Fixed
Maximum LTV
85%
Initial Rate
2.14% fixed
until 02 Oct 2017
Subsequent Rate
4.74%
Overall Cost for Comparison
4.5% APR
Available for first time buyers only.

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are indicated with purple buttons.

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, so it is important to look around before settling for something else.

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

You should take into consideration any fees that will be charged with the deal, in particular be wary of the application fee as this can sometimes add a hefty cost onto the mortgage.

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. If you want this option make sure the mortgage you settle with gives you the option of flexibility to make sure you aren't charged for something that could be avoided.

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.

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How to find the best mortgage for you

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