Compare 80% buy to let mortgages

This comparison includes every mortgage that could provide 80% or more of the value of your buy to let property, meaning you require a deposit or equity of 20%.

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175 results found, sorted by affiliated products by lowest initial rate. How we order our comparisons. Commission earned affects the table's sort order.
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The Mortgage Works 2 year fixed for existing borrowers
Maximum LTV
80%
Initial rate
3.39% fixed until 30 Jun 2024
Subsequent rate (SVR)
5.54% variable
Overall cost for comparison
5.5% APRC
The Mortgage Works 2 year fixed for existing borrowers
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement fee2% with an option to add to the loan
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.50% of amount paid, before 30 Jun 2023

- then 1.00% of amount paid, until 30 Jun 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Permanent UK Resident
Self Employed Accepted
The Mortgage Works 2 year fixed for existing borrowers
Maximum LTV
80%
Initial rate
3.39% fixed until 30 Jun 2024
Subsequent rate (SVR)
5.54% variable
Overall cost for comparison
5.5% APRC
The Mortgage Works 2 year fixed for existing borrowers
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement fee2% with an option to add to the loan
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.50% of amount paid, before 30 Jun 2023

- then 1.00% of amount paid, until 30 Jun 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Permanent UK Resident
Self Employed Accepted
The Mortgage Works 5 year fixed for existing borrowers
Maximum LTV
80%
Initial rate
3.79% fixed until 23 Jun 2027
Subsequent rate (SVR)
5.54% variable
Overall cost for comparison
5.1% APRC
The Mortgage Works 5 year fixed for existing borrowers
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement fee2% with an option to add to the loan
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 4.25% of amount paid, before 30 Jun 2023

- then 4.00% of amount paid, until 30 Jun 2024

- then 3.00% of amount paid, until 30 Jun 2025

- then 2.00% of amount paid, until 30 Jun 2026

- then 1.00% of amount paid, until 30 Jun 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Permanent UK Resident
Self Employed Accepted
The Mortgage Works 5 year fixed for existing borrowers
Maximum LTV
80%
Initial rate
3.79% fixed until 30 Jun 2027
Subsequent rate (SVR)
5.54% variable
Overall cost for comparison
5.2% APRC
The Mortgage Works 5 year fixed for existing borrowers
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement fee2% with an option to add to the loan
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 4.25% of amount paid, before 30 Jun 2023

- then 4.00% of amount paid, until 30 Jun 2024

- then 3.00% of amount paid, until 30 Jun 2025

- then 2.00% of amount paid, until 30 Jun 2026

- then 1.00% of amount paid, until 30 Jun 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Permanent UK Resident
Self Employed Accepted
The Mortgage Works 5 year fixed for existing borrowers
Maximum LTV
80%
Initial rate
4.29% fixed until 30 Jun 2027
Subsequent rate (SVR)
5.54% variable
Overall cost for comparison
5.2% APRC
The Mortgage Works 5 year fixed for existing borrowers
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 4.25% of amount paid, before 30 Jun 2023

- then 4.00% of amount paid, until 30 Jun 2024

- then 3.00% of amount paid, until 30 Jun 2025

- then 2.00% of amount paid, until 30 Jun 2026

- then 1.00% of amount paid, until 30 Jun 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Permanent UK Resident
Self Employed Accepted
The Mortgage Works 5 year fixed for existing borrowers
Maximum LTV
80%
Initial rate
4.29% fixed until 23 Jun 2027
Subsequent rate (SVR)
5.54% variable
Overall cost for comparison
5.2% APRC
The Mortgage Works 5 year fixed for existing borrowers
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 4.25% of amount paid, before 30 Jun 2023

- then 4.00% of amount paid, until 30 Jun 2024

- then 3.00% of amount paid, until 30 Jun 2025

- then 2.00% of amount paid, until 30 Jun 2026

- then 1.00% of amount paid, until 30 Jun 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Permanent UK Resident
Self Employed Accepted
The Mortgage Works 2 year fixed for existing borrowers
Maximum LTV
80%
Initial rate
4.39% fixed until 30 Jun 2024
Subsequent rate (SVR)
5.54% variable
Overall cost for comparison
5.5% APRC
The Mortgage Works 2 year fixed for existing borrowers
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.50% of amount paid, before 30 Jun 2023

- then 1.00% of amount paid, until 30 Jun 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Permanent UK Resident
Self Employed Accepted
The Mortgage Works 2 year fixed for existing borrowers
Maximum LTV
80%
Initial rate
4.39% fixed until 30 Jun 2024
Subsequent rate (SVR)
5.54% variable
Overall cost for comparison
5.5% APRC
The Mortgage Works 2 year fixed for existing borrowers
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.50% of amount paid, before 30 Jun 2023

- then 1.00% of amount paid, until 30 Jun 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Permanent UK Resident
Self Employed Accepted
Furness Building Society 2 year discount cashback mortgage
Maximum LTV
80%
Initial rate
2.45% for 2 years (3.19% discount on SVR)
Subsequent rate (SVR)
5.64% variable
Overall cost for comparison
5.4% APRC
Furness Building Society 2 year discount cashback mortgage
More information
Application fee£995 paid upfront
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, in the first year

- 2.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Cambridge Building Society 2 year discount
Maximum LTV
80%
Initial rate
2.74% for 2 years (3.2% discount on SVR)
Subsequent rate (SVR)
5.94% variable
Overall cost for comparison
5.5% APRC
Cambridge Building Society 2 year discount
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Minimum Income£25,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Suffolk Building Society 2 year discount
Maximum LTV
80%
Initial rate
2.75% for 2 years (2.79% discount on SVR)
Subsequent rate (SVR)
5.54% variable
Overall cost for comparison
-
Suffolk Building Society 2 year discount
More information
Application fee£199 paid upfront (non-refundable)
Arrangement feeNo fee
Booking feeNo fee
Completion fee£999 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.00% of the original loan, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Minimum Income£25,000
Permanent UK Resident
Self Employed Accepted
Suffolk Building Society 2 year discount
Maximum LTV
80%
Initial rate
2.75% for 2 years (2.79% discount on SVR)
Subsequent rate (SVR)
5.54% variable
Overall cost for comparison
-
Suffolk Building Society 2 year discount
More information
Application fee£199 paid upfront (non-refundable)
Arrangement feeNo fee
Booking feeNo fee
Completion fee£999 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.00% of the original loan, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Minimum Income£25,000
Permanent UK Resident
Self Employed Accepted
Suffolk Building Society 2 year discount remortgage
Maximum LTV
80%
Initial rate
2.75% for 2 years (2.79% discount on SVR)
Subsequent rate (SVR)
5.54% variable
Overall cost for comparison
-
Suffolk Building Society 2 year discount remortgage
More information
Application fee£199 paid upfront (non-refundable)
Arrangement feeNo fee
Booking feeNo fee
Completion fee£999 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.00% of the original loan, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Minimum Income£25,000
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Suffolk Building Society 2 year discount remortgage
Maximum LTV
80%
Initial rate
2.75% for 2 years (2.79% discount on SVR)
Subsequent rate (SVR)
5.54% variable
Overall cost for comparison
-
Suffolk Building Society 2 year discount remortgage
More information
Application fee£199 paid upfront (non-refundable)
Arrangement feeNo fee
Booking feeNo fee
Completion fee£999 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.00% of the original loan, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Minimum Income£25,000
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Loughborough 2 year discount
Maximum LTV
80%
Initial rate
2.79% for 2 years (2.8% discount on SVR)
Subsequent rate (SVR)
5.59% variable
Overall cost for comparison
5.4% APRC
Loughborough 2 year discount
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of the original loan, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Monmouthshire Building Society 2 year discount
Maximum LTV
80%
Initial rate
2.79% for 2 years (2.2% discount on SVR)
Subsequent rate (SVR)
4.99% variable
Overall cost for comparison
4.7% APRC
Monmouthshire Building Society 2 year discount
More information
Application fee£150 paid upfront (non-refundable)
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Minimum Income£25,000
Permanent UK Resident
Self Employed Accepted
Monmouthshire Building Society 2 year discount for existing borrowers
Maximum LTV
80%
Initial rate
2.79% for 2 years (2.2% discount on SVR)
Subsequent rate (SVR)
4.99% variable
Overall cost for comparison
4.6% APRC
Monmouthshire Building Society 2 year discount for existing borrowers
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Existing Borrowers Only
Minimum Income£25,000
Permanent UK Resident
Self Employed Accepted
Monmouthshire Building Society 2 year discount remortgage
Maximum LTV
80%
Initial rate
2.79% for 2 years (2.2% discount on SVR)
Subsequent rate (SVR)
4.99% variable
Overall cost for comparison
4.6% APRC
Monmouthshire Building Society 2 year discount remortgage
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Minimum Income£25,000
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
TSB 2 year fixed for existing borrowers
Maximum LTV
80%
Initial rate
2.84% fixed until 31 May 2024
Subsequent rate (SVR)
5.34% variable
Overall cost for comparison
5.1% APRC
TSB 2 year fixed for existing borrowers
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 May 2023

- then 1.00% of amount paid, until 31 May 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Minimum Income£35,000
Permanent UK Resident
Self Employed Accepted
Loughborough 2 year discount
Maximum LTV
80%
Initial rate
2.89% for 2 years (2.7% discount on SVR)
Subsequent rate (SVR)
5.59% variable
Overall cost for comparison
5.4% APRC
Loughborough 2 year discount
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of the original loan, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Cambridge Building Society 5 year fixed
Maximum LTV
80%
Initial rate
2.99% fixed for 5 years
Subsequent rate (SVR)
5.94% variable
Overall cost for comparison
4.8% APRC
Cambridge Building Society 5 year fixed
More information
Application fee£199 paid upfront (non-refundable)
Arrangement feeNo fee
Booking feeNo fee
Completion fee£800 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of the outstanding balance, in the first year

- 4.00% of the outstanding balance, in the second year

- 3.00% of the outstanding balance, in the third year

- 2.00% of the outstanding balance, in the fourth year

- 1.00% of the outstanding balance, in the fifth year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Minimum Income£25,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Hanley Economic Building Society 5 year fixed remortgage
Maximum LTV
80%
Initial rate
3.03% fixed until 30 Mar 2027
Subsequent rate (SVR)
4.79% variable
Overall cost for comparison
4.3% APRC
Hanley Economic Building Society 5 year fixed remortgage
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£750 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Mar 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Minimum Income£20,000
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Metro Bank 5 year fixed
Maximum LTV
80%
Initial rate
3.05% fixed for 5 years
Subsequent rate (SVR)
4.75% variable
Overall cost for comparison
-
Metro Bank 5 year fixed
Available in branch only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, in the first year

- 4.00% of amount paid, in the second year

- 3.00% of amount paid, in the third year

- 2.00% of amount paid, in the fourth year

- 1.00% of amount paid, in the fifth year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Virgin Money 2 year fixed cashback mortgage
Maximum LTV
80%
Initial rate
3.05% fixed until 01 Oct 2024
Subsequent rate (SVR)
5.19% variable
Overall cost for comparison
5.1% APRC
Virgin Money 2 year fixed cashback mortgage
Available via telephone only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.50% of the outstanding balance, before 01 Oct 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Minimum Income£25,000
Permanent UK Resident
Self Employed Accepted
Virgin Money 2 year fixed cashback remortgage
Maximum LTV
80%
Initial rate
3.05% fixed until 01 Oct 2024
Subsequent rate (SVR)
5.19% variable
Overall cost for comparison
5.1% APRC
Virgin Money 2 year fixed cashback remortgage
Available via telephone only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.50% of the outstanding balance, before 01 Oct 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Minimum Income£25,000
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Based on borrowing£170,000 over 25 yearsThe overall cost of comparison5.00% APRC Representative
Initial rate2.91% fixed for 2 years (24 instalments of £825.97pm)Subsequent rate (SVR)5.29% variable for the remaining 25 years (300 instalments of £1002.14pm)
Lender fee£980Total amount payable£297,393.66

Can you get 80% LTV buy to let mortgages?

Yes, some buy to let mortgages have a loan to value (LTV) of 80%. You could get one to:

  • Buy a new property to rent out

  • Remortgage your existing property with a better deal, e.g. if your fixed rate has ended

Some deals with an 80% or more LTV are only available to existing customers or can only be used for remortgaging. But some can be used to buy a house if you are a first time landlord or want to add a new investment property to your portfolio.

What are 80% buy to let mortgages?

You can use a buy to let (BTL) mortgage to buy a property to rent out to somebody else. You cannot use a normal mortgage for this.

An 80% LTV mortgage covers 80% of the value of the home you buy with it. For example, it would cover £120,000 of a house valued at £150,000. You would need to cover the remaining 20% with either:

  • A £30,000 deposit

  • £30,000 equity in a property you own already

How buy to let mortgages work

What is a “buy to let mortgage 20 deposit”?

This is another name for an 80% buy to let mortgage, because to take out an 80% loan you need to put in a deposit of 20%. Hence the term “buy to let mortgage 20 deposit”. Other names include “20 buy to let mortgage” and “80 btl mortgage”.

Where to find 80% BTL mortgages?

The deals in this comparison have an LTV of 80% or more. This means you only need a 20% deposit. Compare these 80% deals by checking the interest rate, maximum LTV and the fees that come with each mortgage.

Can I get an 80% BTL mortgage?

Some lenders will let you take out a buy to let mortgage with a 20% deposit. It depends on your circumstances. You can increase your chances of getting an 80% BTL mortgage by:

  • Owning your own home and/or be paying off a mortgage

  • Having a very good credit score

  • Earning at least £25,000 a year.

  • Being able to pay your mortgage off by the time you are 75

  • Being able to prove you can afford the mortgage repayments

  • Having a plan in place in case of rental voids and to cover property repairs and maintenance

How to choose the best 80% LTV mortgage

Check the cost of each mortgage by looking at:

80% BTL mortgages FAQs

About our mortgage comparison

Last updated: 17 November, 2021

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