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 BS 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
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
Chelsea Building Society 2 Year 1.99% Fixed
Maximum LTV
85%
Initial Rate
1.99% fixed
until 31 Jul 2017
Subsequent Rate
5.45%
Overall Cost for Comparison
5.0% APR
Post Office 2 Year 1.99% Fixed
Maximum LTV
85%
Initial Rate
1.99% fixed
until 31 Jul 2017
Subsequent Rate
4.49%
Overall Cost for Comparison
4.2% APR
Yorkshire BS Flexi 2 Year 2.04% Fixed
Maximum LTV
85%
Initial Rate
2.04% fixed
until 31 Jul 2017
Subsequent Rate
4.99%
Overall Cost for Comparison
4.6% APR
TSB 2 Year BBR+1.64%
0333 3314495
Maximum LTV
85%
Initial Rate
2.14% tracker
until 31 Jul 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.9% APR
TSB 2 Year BBR+1.64%
Maximum LTV
85%
Initial Rate
2.14% tracker
until 31 Jul 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.9% APR
Available via brokers only.
Post Office 2 Year 2.19% Fixed + Incentives
Maximum LTV
85%
Initial Rate
2.19% fixed
until 30 Jun 2017
Subsequent Rate
4.49%
Overall Cost for Comparison
4.2% APR
The Co-operative Bank 2 Year 2.19% Fixed + Cashback
0344 844 8442
Maximum LTV
85%
Initial Rate
2.19% fixed
until 30 Jun 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 2.19% Fixed
0344 844 8442
Maximum LTV
85%
Initial Rate
2.19% fixed
until 30 Jun 2017
Subsequent Rate
4.74%
Overall Cost for Comparison
4.4% APR
TSB 2 Year BBR+1.69% Remortgage + Cashback
0333 3314495
Maximum LTV
85%
Initial Rate
2.19% tracker
until 31 Jul 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+1.69% Remortgage
0333 3314495
Maximum LTV
85%
Initial Rate
2.19% tracker
until 31 Jul 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.8% APR
Available for remortgage only.
TSB 2 Year BBR+1.69% Remortgage
Maximum LTV
85%
Initial Rate
2.19% tracker
until 31 Jul 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.9% APR
Available for remortgage and via brokers only.
Chelsea Building Society Flexi 2 Year 2.29% Fixed Offset
Maximum LTV
85%
Initial Rate
2.29% fixed
until 31 Jul 2017
Subsequent Rate
5.45%
Overall Cost for Comparison
5.0% APR
First Direct 2 Year 2.29% Fixed
Maximum LTV
85%
Initial Rate
2.29% fixed
for 24 months
Subsequent Rate
3.69%
Overall Cost for Comparison
3.5% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.
First Direct 2 Year 2.29% Fixed
Maximum LTV
85%
Initial Rate
2.29% fixed
for 24 months
Subsequent Rate
3.69%
Overall Cost for Comparison
3.6% APR
HSBC 2 Year 2.29% Fixed
Maximum LTV
85%
Initial Rate
2.29% fixed
until 31 Jul 2017
Subsequent Rate
3.94%
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.
HSBC 2 Year 2.29% Fixed
Maximum LTV
85%
Initial Rate
2.29% fixed
until 31 Jul 2017
Subsequent Rate
3.94%
Overall Cost for Comparison
3.8% APR
HSBC 2 Year 2.29% Fixed Advance/Premier
Maximum LTV
85%
Initial Rate
2.29% fixed
until 31 Jul 2017
Subsequent Rate
3.94%
Overall Cost for Comparison
3.8% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website.

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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, 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.

Featured guide

How to find the best mortgage for you

A mortgage is a path to buying the home you want but it's also likely to be the biggest financial commitment you ever make. So, finding the best rates & the most suitable mortgage package is vital, here's how.

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