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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101 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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Loughborough 2 year discount
Maximum LTV
80%
Initial rate
2.69% for 2 years (2.65% discount on SVR)
Subsequent rate (SVR)
5.34% variable
Overall cost for comparison
5.1% APRC
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
Bath Building Society 2 year discount
Maximum LTV
80%
Initial rate
2.75% for 2 years (2.15% discount on SVR)
Subsequent rate (SVR)
4.9% variable
Overall cost for comparison
4.8% APRC
More information
Administration fee£125 paid upfront (non-refundable)
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£75 paid on completion
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:

- 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
Minimum Income£20,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
The Mortgage Works 2 year fixed for existing borrowers
Maximum LTV
80%
Initial rate
2.89% fixed until 31 Dec 2023
Subsequent rate (SVR)
5.54% variable
Overall cost for comparison
5.4% APRC
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 31 Dec 2022

- then 1.00% of amount paid, until 31 Dec 2023

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
2.89% fixed until 31 Dec 2023
Subsequent rate (SVR)
5.54% variable
Overall cost for comparison
5.4% APRC
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 31 Dec 2022

- then 1.00% of amount paid, until 31 Dec 2023

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
Bath Building Society 2 year fixed
Maximum LTV
80%
Initial rate
2.99% fixed for 2 years
Subsequent rate (SVR)
4.9% variable
Overall cost for comparison
4.8% APRC
More information
Administration fee£125 paid upfront (non-refundable)
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£75 paid on completion
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:

- 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
Minimum Income£20,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Leeds Building Society 2 year fixed
Maximum LTV
80%
Initial rate
2.99% fixed until 31 Jan 2024
Subsequent rate (SVR)
5.59% variable
Overall cost for comparison
5.0% APRC
The initial rate will be followed by a rate of 4.59% until 31 Jan 2027 (1% discount on SVR).
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:

- 3.00% of amount paid, before 31 Jan 2023

- then 2.00% of amount paid, until 31 Jan 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
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
2.99% fixed until 01 Feb 2024
Subsequent rate (SVR)
4.54% variable
Overall cost for comparison
4.5% APRC
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 Feb 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
2.99% fixed until 01 Feb 2024
Subsequent rate (SVR)
4.54% variable
Overall cost for comparison
4.5% APRC
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 Feb 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
Virgin Money 2 year fixed for existing borrowers
Maximum LTV
80%
Initial rate
2.99% fixed until 01 Feb 2024
Subsequent rate (SVR)
4.54% variable
Overall cost for comparison
4.5% APRC
Available via telephone only. 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:

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

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Minimum Income£25,000
Permanent UK Resident
Self Employed Accepted
Virgin Money 2 year fixed remortgage
Maximum LTV
80%
Initial rate
2.99% fixed until 01 Feb 2024
Subsequent rate (SVR)
4.54% variable
Overall cost for comparison
4.5% APRC
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 Feb 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
Leeds Building Society 5 year fixed
Maximum LTV
80%
Initial rate
3.15% fixed until 31 Jan 2027
Subsequent rate (SVR)
5.59% variable
Overall cost for comparison
4.8% APRC
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:

- 5.00% of amount paid, before 31 Jan 2024

- then 4.00% of amount paid, until 31 Jan 2025

- then 3.00% of amount paid, until 31 Jan 2026

- then 2.00% of amount paid, until 31 Jan 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Virgin Money 5 year fixed cashback mortgage
Maximum LTV
80%
Initial rate
3.18% fixed until 01 Feb 2027
Subsequent rate (SVR)
4.54% variable
Overall cost for comparison
4.3% APRC
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:

- 3.50% of the outstanding balance, before 01 Feb 2027

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 5 year fixed cashback remortgage
Maximum LTV
80%
Initial rate
3.18% fixed until 01 Feb 2027
Subsequent rate (SVR)
4.54% variable
Overall cost for comparison
4.3% APRC
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:

- 3.50% of the outstanding balance, before 01 Feb 2027

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
Virgin Money 5 year fixed for existing borrowers
Maximum LTV
80%
Initial rate
3.18% fixed until 01 Feb 2027
Subsequent rate (SVR)
4.54% variable
Overall cost for comparison
4.3% APRC
Available via telephone only. 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:

- 3.50% of the outstanding balance, before 01 Feb 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Minimum Income£25,000
Permanent UK Resident
Self Employed Accepted
Virgin Money 5 year fixed remortgage
Maximum LTV
80%
Initial rate
3.18% fixed until 01 Feb 2027
Subsequent rate (SVR)
4.54% variable
Overall cost for comparison
4.3% APRC
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:

- 3.50% of the outstanding balance, before 01 Feb 2027

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
Bath Building Society 5 year fixed
Maximum LTV
80%
Initial rate
3.19% fixed for 5 years
Subsequent rate (SVR)
4.9% variable
Overall cost for comparison
4.5% APRC
More information
Administration fee£125 paid upfront (non-refundable)
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£75 paid on completion
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:

- 3.00% of amount paid, in the first four years

- 2.00% of amount paid, in the fifth year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Minimum Income£20,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Ipswich Building Society 2 year discount
Maximum LTV
80%
Initial rate
3.25% for 2 years (1.99% discount on SVR)
Subsequent rate (SVR)
5.24% variable
Overall cost for comparison
5.0% APRC
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
Ipswich Building Society 2 year discount
Maximum LTV
80%
Initial rate
3.25% for 2 years (1.99% discount on SVR)
Subsequent rate (SVR)
5.24% variable
Overall cost for comparison
5.0% APRC
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
Ipswich Building Society 2 year discount remortgage
Maximum LTV
80%
Initial rate
3.25% for 2 years (1.99% discount on SVR)
Subsequent rate (SVR)
5.24% variable
Overall cost for comparison
5.0% APRC
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
Ipswich Building Society 2 year discount remortgage
Maximum LTV
80%
Initial rate
3.25% for 2 years (1.99% discount on SVR)
Subsequent rate (SVR)
5.24% variable
Overall cost for comparison
5.0% APRC
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
Chorley Building Society 2 year discount
Maximum LTV
80%
Initial rate
3.34% for 2 years (1.9% discount on SVR)
Subsequent rate (SVR)
5.24% variable
Overall cost for comparison
5.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Scheme fee0.75% 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:

- 1.90% of amount paid, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Minimum Income£20,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Chorley Building Society 2 year discount for existing borrowers
Maximum LTV
80%
Initial rate
3.34% for 2 years (1.9% discount on SVR)
Subsequent rate (SVR)
5.24% variable
Overall cost for comparison
5.0% APRC
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Scheme transfer fee£50 paid upfront (non-refundable)
Additional information

Early repayment charge

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

- 1.90% 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£20,000
Permanent UK Resident
Self Employed Accepted
Loughborough 3 year discount
Maximum LTV
80%
Initial rate
3.34% for 3 years (2% discount on SVR)
Subsequent rate (SVR)
5.34% variable
Overall cost for comparison
4.8% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£499 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:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, between 12 and 36 months

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Permanent UK Resident
Remortgage Available
Self Employed Accepted
NatWest 2 year fixed for existing borrowers
Maximum LTV
90%
Initial rate
3.4% fixed until 29 Feb 2024
Subsequent rate (SVR)
4.09% variable
Overall cost for comparison
-
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 28 Feb 2023

- then 0.75% of amount paid, until 29 Feb 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
Royal Bank of Scotland 2 year fixed for existing borrowers
Maximum LTV
90%
Initial rate
3.4% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
-
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 28 Feb 2023

- then 0.75% of amount paid, until 29 Feb 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

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 comparison4.40% APRC representative
Initial rate2.14% fixed for 2 years (24 instalments of £719.83pm)Subsequent rate (SVR)4.71% variable for the remaining 25 years (300 instalments of £949.29pm)
Lender fee£1,000Total amount payable£280,279.78

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 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

Where to find them

Many lenders require a deposit of 25% or more for buy to let mortgages.

However, the deals in this comparison have an LTV of 80% or more. This means you could get them with a 20% deposit.

Compare these 80% deals by checking the interest rate, maximum LTV and what fees come with each mortgage.

How to choose the best 80% LTV mortgage

Check the cost of each mortgage by looking at:

80% BTL mortgages FAQs

No, you cannot use a residential mortgage for an investment property. But the mortgages in this comparison can be used for buy to let.

No, you need a deposit to buy an investment property. The only buy to let mortgages with an LTV of 100% or more are for existing customers.

Yes, many buy to let mortgages are interest only. They let you pay back only the interest owed on your mortgage, not the balance; here is how they work.

Some lenders offer mortgages that last until you are 85, but others have strict age restrictions. Here is how to get a mortgage when you are older.

Yes, your credit record does matter. Lenders will want to see proof of your ability to keep up your mortgage repayments. They will take a look at your spending habits and assess your affordability, which may impact how much you can borrow. Here is more on why your credit record matters.

About our mortgage comparison

We include mortgages from every lender in the UK. They are all from lenders regulated by the Financial Conduct Authority. Here is more information about how our website works.

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and the deal you get is not affected.

Last updated: 11 October, 2021

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