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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Chelsea Building Society 2 Year 2.74% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
85%2.74% fixed
until 31 Jul 2016
5.65%5.3% APR
 
Post Office 2 Year 2.78% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
85%2.78% fixed
until 31 Mar 2016
4.49%4.4% APR
 
Yorkshire BS Flexi 2 Year 2.79% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
85%2.79% fixed
until 31 Jul 2016
4.99%4.7% APR
 
HSBC 2 Year 1.05% Discount Special
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
90%2.89% variable
for 24 months
3.94%3.9% APR
 
Post Office 2 Year 2.89% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
85%2.89% fixed
until 31 Mar 2016
4.49%4.4% APR
 
Chelsea Building Society Flexi 2 Year 2.94% Fixed Offset
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
85%2.94% fixed
until 31 Jul 2016
5.65%5.3% APR
 
HSBC 2 Year 2.99% Fixed Special
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
85%2.99% fixed
until 30 Jun 2016
3.94%4.0% APR
 
HSBC 2 Year 2.99% Fixed Special
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
85%2.99% fixed
until 30 Jun 2016
3.94%3.9% APR
 
Yorkshire BS Flexi 2 Year 2.99 Fixed Offset
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
85%2.99% fixed
until 31 Jul 2016
4.99%4.8% APR
 
TSB 2 Year BBR+2.59%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
85%3.09% tracker
until 31 May 2016
3.99%4.0% APR
 
Chelsea Building Society 2 Year BBR+2.64%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
85%3.14% tracker
until 31 Jul 2016
5.65%5.3% APR
 
Yorkshire BS 2 Year BBR+2.64%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
85%3.14% tracker
until 31 Jul 2016
4.99%4.8% APR
 
Chelsea Building Society 2 Year 3.19% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
85%3.19% fixed
until 31 Jul 2016
5.65%5.4% APR
 
TSB 2 Year BBR+2.69% No Fee
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
85%3.19% tracker
until 31 May 2016
3.99%4.0% APR
Available for first time buyers only.
 
TSB 2 Year 3.19% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
85%3.19% fixed
until 31 May 2016
3.99%4.0% APR
 
Yorkshire BS Flexi 2 Year 3.19% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
85%3.19% fixed
until 31 Jul 2016
4.99%4.8% APR
 
Chelsea Building Society 3 Year 3.24% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
85%3.24% fixed
until 31 Jul 2017
5.65%5.2% APR
 
Post Office 3 Year 3.25% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
85%3.25% fixed
until 31 Mar 2017
4.49%4.3% APR
 
Virgin 2 Year 3.28% Fixed + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
85%3.28% fixed
until 01 Jul 2016
4.79%4.6% 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 3.28% Fixed Remortgage
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
85%3.28% fixed
until 01 Jul 2016
4.79%4.6% 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%.
 

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

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Love the new lay out, quick and easy to use. The deals are great thank for hunting the down for us. Keep up the great work.
Kimberley Y.

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.

How to Find the Best 85% Mortgages

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