Compare our best 80% LTV mortgages

Compare mortgages where you can borrow 80% of the LTV of the property you wish to purchase. These may be available if you have a deposit of 20% or equity of 20% in your current home.

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1429 results found, sorted by lowest initial rate. How we order our comparisons. Commission earned affects the table's sort order.
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Progressive Building Society 2 year discount for properties in Northern Ireland
Maximum LTV
95%
Initial rate
0.99% for 2 years (4.01% discount on SVR)
Subsequent rate (SVR)
5.0% variable
Overall cost for comparison
4.36% APRC
Progressive Building Society 2 year discount for properties in Northern Ireland
Available in branch 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 year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
First Time Buyers
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Progressive Building Society 2 year discount for properties in Northern Ireland
Maximum LTV
80%
Initial rate
1.19% for 2 years (3.81% discount on SVR)
Subsequent rate (SVR)
5.0% variable
Overall cost for comparison
4.4% APRC
Progressive Building Society 2 year discount for properties in Northern Ireland
Available in branch 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 year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
First Time Buyers
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Progressive Building Society 2 year discount remortgage for properties in Northern Ireland
Maximum LTV
80%
Initial rate
1.19% for 2 years (3.81% discount on SVR)
Subsequent rate (SVR)
5.0% variable
Overall cost for comparison
4.45% APRC
Progressive Building Society 2 year discount remortgage for properties in Northern Ireland
Available in branch 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 year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Acceptedfalse
Furness Building Society 2 year discount cashback mortgage
Maximum LTV
80%
Initial rate
1.29% for 2 years (4.35% discount on SVR)
Subsequent rate (SVR)
5.64% variable
Overall cost for comparison
5.0% APRC
Furness Building Society 2 year discount cashback mortgage
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 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
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Newcastle Building Society 2 year discount
Maximum LTV
80%
Initial rate
1.5% until 31 Aug 2024 (2.46% discount on SVR)
Subsequent rate (SVR)
3.96% variable
Overall cost for comparison
3.5% APRC
Newcastle Building Society 2 year discount
Available via telephone only.
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

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Progressive Building Society 2 year discount for properties in Northern Ireland
Maximum LTV
85%
Initial rate
1.59% for 2 years (3.41% discount on SVR)
Subsequent rate (SVR)
5.0% variable
Overall cost for comparison
4.47% APRC
Progressive Building Society 2 year discount for properties in Northern Ireland
Available in branch 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 year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
First Time Buyers
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Newcastle Building Society 2 year discount
Maximum LTV
85%
Initial rate
1.6% until 31 Aug 2024 (2.36% discount on SVR)
Subsequent rate (SVR)
3.96% variable
Overall cost for comparison
3.7% APRC
Newcastle Building Society 2 year discount
Available via telephone only.
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

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
The Cumberland 2 year discount
Maximum LTV
85%
Initial rate
1.62% for 2 years (3.12% discount on SVR)
Subsequent rate (SVR)
4.74% variable
Overall cost for comparison
4.2% APRC
The Cumberland 2 year discount
Available in branch only.
More information
Application feeNo fee
Arrangement fee£999 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:

- 1.00% of amount paid, in the first year

- 0.50% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
The Cumberland 2 year discount remortgage
Maximum LTV
85%
Initial rate
1.62% for 2 years (3.12% discount on SVR)
Subsequent rate (SVR)
4.74% variable
Overall cost for comparison
3.9% APRC
The Cumberland 2 year discount remortgage
Available in branch only.
More information
Application feeNo fee
Arrangement fee£999 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:

- 1.00% of amount paid, in the first year

- 0.50% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Monmouthshire Building Society 2 year discount
Maximum LTV
80%
Initial rate
1.64% for 2 years (3.35% discount on SVR)
Subsequent rate (SVR)
4.99% variable
Overall cost for comparison
4.5% 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:

- 1.00% of amount paid, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at application80 years
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Monmouthshire Building Society 2 year discount remortgage
Maximum LTV
80%
Initial rate
1.64% for 2 years (3.35% discount on SVR)
Subsequent rate (SVR)
4.99% variable
Overall cost for comparison
4.4% 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:

- 1.00% of amount paid, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Max age at application80 years
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
The West Brom 2 year discount
Maximum LTV
80%
Initial rate
1.64% until 31 May 2024 (2.45% discount on SVR)
Subsequent rate (SVR)
4.09% variable
Overall cost for comparison
3.8% APRC
The West Brom 2 year discount
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£999 with an option to add to the loan
Product feeNo fee
Additional information

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end75 years
Minimum Age21 years
Permanent UK Resident
Self Employed Accepted
The West Brom 2 year discount remortgage
Maximum LTV
80%
Initial rate
1.64% until 31 May 2024 (2.45% discount on SVR)
Subsequent rate (SVR)
4.09% variable
Overall cost for comparison
3.8% APRC
The West Brom 2 year discount remortgage
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£999 with an option to add to the loan
Product feeNo fee
Additional information

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Max age at term end75 years
Minimum Age21 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
The Cumberland 2 year discount
Maximum LTV
90%
Initial rate
1.67% for 2 years (3.07% discount on SVR)
Subsequent rate (SVR)
4.74% variable
Overall cost for comparison
4.2% APRC
The Cumberland 2 year discount
Available in branch only.
More information
Application feeNo fee
Arrangement fee£999 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:

- 1.00% of amount paid, in the first year

- 0.50% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Progressive Building Society 2 year discount cashback remortgage for properties in Northern Ireland
Maximum LTV
85%
Initial rate
1.69% for 2 years (3.31% discount on SVR)
Subsequent rate (SVR)
5.0% variable
Overall cost for comparison
4.54% APRC
Progressive Building Society 2 year discount cashback remortgage for properties in Northern Ireland
Available in branch 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 year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
Minimum Age18 years
Permanent UK Resident
Remortgage Only
Self Employed Acceptedfalse
Progressive Building Society 2 year discount for properties in Northern Ireland
Maximum LTV
85%
Initial rate
1.69% for 2 years (3.31% discount on SVR)
Subsequent rate (SVR)
5.0% variable
Overall cost for comparison
4.49% APRC
Progressive Building Society 2 year discount for properties in Northern Ireland
Available in branch 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 year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
First Time Buyers
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Progressive Building Society 2 year discount remortgage for properties in Northern Ireland
Maximum LTV
85%
Initial rate
1.69% for 2 years (3.31% discount on SVR)
Subsequent rate (SVR)
5.0% variable
Overall cost for comparison
4.54% APRC
Progressive Building Society 2 year discount remortgage for properties in Northern Ireland
Available in branch 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 year

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Acceptedfalse
Hinckley & Rugby Building Society 2 year discount
Maximum LTV
80%
Initial rate
1.7% for 2 years (4.49% discount on SVR)
Subsequent rate (SVR)
6.19% variable
Overall cost for comparison
5.0% APRC
Hinckley & Rugby Building Society 2 year discount
The initial rate will be followed by a rate of 4.54% for 3 years (1.65% discount on SVR).
More information
Application fee£199 paid upfront
Arrangement fee£800 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:

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

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at application80 years
Max age at term end85 years
Minimum Age18 years
Minimum Income£10,000
Permanent UK Resident
Self Employed Accepted
Hinckley & Rugby Building Society 2 year discount cashback remortgage
Maximum LTV
80%
Initial rate
1.7% for 2 years (4.49% discount on SVR)
Subsequent rate (SVR)
6.19% variable
Overall cost for comparison
5.0% APRC
Hinckley & Rugby Building Society 2 year discount cashback remortgage
The initial rate will be followed by a rate of 4.54% for 3 years (1.65% discount on SVR).
More information
Application fee£199 paid upfront
Arrangement fee£800 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:

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

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Max age at application80 years
Max age at term end85 years
Minimum Age18 years
Minimum Income£10,000
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Scottish Building Society 2 year discount
Maximum LTV
80%
Initial rate
1.74% for 2 years (3.45% discount on SVR)
Subsequent rate (SVR)
5.19% variable
Overall cost for comparison
4.8% APRC
Scottish Building Society 2 year discount
Available in branch only.
More information
Application feeNo fee
Arrangement fee£995 paid upfront
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 the outstanding balance, in the first year

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

Other fees may apply.

Eligibility
Available Direct
Available in England
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Minimum Income£40,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Scottish Building Society 2 year discount
Maximum LTV
80%
Initial rate
1.74% for 2 years (3.45% discount on SVR)
Subsequent rate (SVR)
5.19% variable
Overall cost for comparison
4.7% APRC
Scottish Building Society 2 year discount
Available in branch only.
More information
Application feeNo fee
Arrangement fee£995 paid upfront
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 the outstanding balance, in the first year

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

Other fees may apply.

Eligibility
Available Direct
Available in England
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Minimum Income£40,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Scottish Building Society 2 year discount for properties in Scotland
Maximum LTV
80%
Initial rate
1.74% for 2 years (3.45% discount on SVR)
Subsequent rate (SVR)
5.19% variable
Overall cost for comparison
4.8% APRC
Scottish Building Society 2 year discount for properties in Scotland
Available in branch only.
More information
Application feeNo fee
Arrangement fee£995 paid upfront
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 the outstanding balance, in the first year

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

Other fees may apply.

Eligibility
Available Direct
Available in Scotland
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Minimum Income£40,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Scottish Building Society 2 year discount for properties in Scotland
Maximum LTV
80%
Initial rate
1.74% for 2 years (3.45% discount on SVR)
Subsequent rate (SVR)
5.19% variable
Overall cost for comparison
4.7% APRC
Scottish Building Society 2 year discount for properties in Scotland
Available in branch only.
More information
Application feeNo fee
Arrangement fee£995 paid upfront
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 the outstanding balance, in the first year

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

Other fees may apply.

Eligibility
Available Direct
Available in Scotland
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Minimum Income£40,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
The Cumberland 2 year discount remortgage
Maximum LTV
90%
Initial rate
1.78% for 2 years (2.96% discount on SVR)
Subsequent rate (SVR)
4.74% variable
Overall cost for comparison
4.0% APRC
The Cumberland 2 year discount remortgage
Available in branch only.
More information
Application feeNo fee
Arrangement fee£999 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:

- 1.00% of amount paid, in the first year

- 0.50% of amount paid, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Newcastle Building Society 2 year discount
Maximum LTV
90%
Initial rate
1.8% until 31 Aug 2024 (2.16% discount on SVR)
Subsequent rate (SVR)
3.96% variable
Overall cost for comparison
3.7% APRC
Newcastle Building Society 2 year discount
Available via telephone only.
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

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted

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

Overall representative example

Based on borrowing£170,000 over 25 yearsThe overall cost of comparison4.28% APRC Representative
Initial rate2.87% fixed for 2 years (24 instalments of £820.17pm)Subsequent rate (SVR)4.51% variable for the remaining 23 years (276 instalments of £931.10pm)
Lender fee£528Total amount payable£277,194.92

How do 80% LTV mortgages work?

You can apply for an 80% loan to value mortgage if you have a 20% deposit or 20% equity in your property.

If you rent your property out, you can compare 80% LTV buy to let mortgages here.

To find the best 80% mortgage deal:

  • Look for the lowest initial rate: This affects how much you pay back each month. The higher the rate, the more interest you pay.

  • Look out for charges: You may have to pay a charge for setting up a new mortgage deal. This comparison shows you which charges apply to each deal.

What mortgage options do you have?

If you have a 20% deposit or 20% equity, you can apply for any mortgage deal that is 80% LTV or higher.

This means you have a larger selection of mortgage deals to compare, which gives you a better chance of finding the lowest rate available.

You can usually find lower initial rates for lower LTV mortgage deals, but the rate you get may change depending on the mortgage type you choose.

Here is how tracker, variable and fixed rate mortgages work

What happens when the deal ends?

When your mortgage deal ends, you will have a few options:

  • Automatically move to your lender's standard variable rate (SVR)

  • Apply for a new mortgage deal with the same lender

  • Apply for a new mortgage deal with another lender

If you try to change your mortgage deal before it ends, you could face large charges, for example, 2% of your mortgage balance.

Should you get a long or short term mortgage?

80% LTV mortgages FAQs

About our mortgage comparison

Last updated: 11 October, 2021

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