Compare 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.

Get free mortgage advice from an expert broker

1773 results found, sorted by lowest initial rate. How we order our comparisons. Commission earned affects the table's sort order.
Sort
Furness Building Society 2 year discount
Maximum LTV
80%
Initial rate
1.09% for 2 years (4.05% discount on SVR)
Subsequent rate (SVR)
5.14% variable
Overall cost for comparison
4.6% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 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
Progressive Building Society 2 year discount for properties in Northern Ireland
Maximum LTV
80%
Initial rate
1.09% for 2 years (3.26% discount on SVR)
Subsequent rate (SVR)
4.35% variable
Overall cost for comparison
3.36% APRC
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
1.09% for 2 years (3.26% discount on SVR)
Subsequent rate (SVR)
4.35% variable
Overall cost for comparison
3.8% APRC
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
Maximum LTV
80%
Initial rate
1.19% for 2 years (3.95% discount on SVR)
Subsequent rate (SVR)
5.14% variable
Overall cost for comparison
4.6% 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 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
TSB 2 year fixed
Maximum LTV
80%
Initial rate
1.24% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.3% APRC
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 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
TSB 2 year fixed for first time buyers
Maximum LTV
80%
Initial rate
1.24% fixed until 29 Feb 2024
Subsequent rate (SVR)
2.59% base rate tracker
Overall cost for comparison
2.5% APRC
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 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Yorkshire Building Society 2 year BBR tracker
Maximum LTV
80%
Initial rate
1.29% base rate tracker until 29 Feb 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.7% APRC
The initial rate will be followed by a rate of 3.75% until 28 Feb 2027 (0.74% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£995 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 amount paid, before 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
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
80%
Initial rate
1.33% for 2 years (2.76% discount on SVR)
Subsequent rate (SVR)
4.09% variable
Overall cost for comparison
3.8% APRC
Available in branch only.
More information
Application feeNo fee
Arrangement fee£1,999 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
HSBC 2 year fixed
Maximum LTV
80%
Initial rate
1.34% fixed until 31 Jan 2024
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.3% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking fee£999 with an option to add to the loan
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

- then 1.00% 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
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
HSBC 2 year fixed for first time buyers
Maximum LTV
80%
Initial rate
1.34% fixed until 31 Jan 2024
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.3% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking fee£999 with an option to add to the loan
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

- then 1.00% 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
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Progressive Building Society 2 year fixed for properties in Northern Ireland
Maximum LTV
80%
Initial rate
1.35% fixed for 2 years
Subsequent rate (SVR)
4.35% variable
Overall cost for comparison
4.03% APRC
Available in branch only.
More information
Application feeNo fee
Arrangement fee£995 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:

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

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
First Time Buyers
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Yorkshire Building Society 2 year fixed
Maximum LTV
80%
Initial rate
1.35% fixed until 29 Feb 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.7% APRC
The initial rate will be followed by a rate of 3.75% until 28 Feb 2027 (0.74% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£1,495 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:

- 2.50% of amount paid, before 28 Feb 2023

- then 1.50% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Leeds Building Society 2 year fixed
Maximum LTV
80%
Initial rate
1.36% fixed until 31 Jan 2024
Subsequent rate (SVR)
5.29% variable
Overall cost for comparison
4.4% APRC
The initial rate will be followed by a rate of 4.04% until 31 Jan 2027 (1.25% 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
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
The Cumberland 2 year discount remortgage
Maximum LTV
80%
Initial rate
1.36% for 2 years (2.73% discount on SVR)
Subsequent rate (SVR)
4.09% variable
Overall cost for comparison
3.8% APRC
Available in branch only.
More information
Application feeNo fee
Arrangement fee£1,999 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
Furness Building Society 2 year fixed cashback mortgage
Maximum LTV
80%
Initial rate
1.37% fixed for 2 years
Subsequent rate (SVR)
5.14% variable
Overall cost for comparison
4.6% 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:

- 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
Nationwide 2 year fixed
Maximum LTV
80%
Initial rate
1.37% fixed for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 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, in the first year

- 0.75% of the outstanding balance, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
The Cumberland 2 year fixed
Maximum LTV
80%
Initial rate
1.38% fixed until 01 Jan 2024
Subsequent rate (SVR)
4.09% variable
Overall cost for comparison
3.9% APRC
Available in branch only.
More information
Application feeNo fee
Arrangement fee£1,999 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:

- 2.00% of amount paid, before 01 Jan 2023

- then 1.00% of amount paid, until 01 Jan 2024

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
Yorkshire Building Society 2 year fixed remortgage
Maximum LTV
80%
Initial rate
1.38% fixed until 29 Feb 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.4% APRC
The initial rate will be followed by a rate of 3.75% until 28 Feb 2027 (0.74% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£1,495 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:

- 2.50% of amount paid, before 28 Feb 2023

- then 1.50% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
HSBC 2 year fixed
Maximum LTV
85%
Initial rate
1.39% fixed until 31 Jan 2024
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.3% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking fee£999 with an option to add to the loan
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

- then 1.00% 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
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
HSBC 2 year fixed for first time buyers
Maximum LTV
85%
Initial rate
1.39% fixed until 31 Jan 2024
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.3% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking fee£999 with an option to add to the loan
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

- then 1.00% 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
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
HSBC 2 year fixed remortgage
Maximum LTV
80%
Initial rate
1.39% fixed until 31 Jan 2024
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.3% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking fee£999 with an option to add to the loan
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

- then 1.00% 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
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Monmouthshire Building Society 2 year discount
Maximum LTV
80%
Initial rate
1.39% for 2 years (3.35% discount on SVR)
Subsequent rate (SVR)
4.74% variable
Overall cost for comparison
4.2% APRC
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
1.39% for 2 years (3.35% discount on SVR)
Subsequent rate (SVR)
4.74% variable
Overall cost for comparison
4.2% 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:

- 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
Nationwide 2 year fixed
Maximum LTV
80%
Initial rate
1.39% fixed for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.3% 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:

- 1.50% of the outstanding balance, in the first year

- 0.75% of the outstanding balance, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Nationwide 3 year fixed
Maximum LTV
80%
Initial rate
1.39% fixed for 3 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.0% 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:

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

- 1.50% of the outstanding balance, in the second year

- 0.75% of the outstanding balance, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
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 comparison3.66% APRC representative
Initial rate2.08% fixed for 2 years (24 instalments of £710.99pm)Subsequent rate (SVR)3.88% variable for the remaining 23 years (276 instalments of £876.40pm)
Lender fee£550Total amount payable£259,498.79

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

Can I borrow enough for an 80% mortgage?

Can I get help finding the best 80% LTV mortgage?

Do I need a new mortgage if I move home?

Do I need a good credit record to apply?

About our mortgage comparison

Who do we include in this comparison?

How do we make money from our comparison?

Last updated: 11 October, 2021

Explore mortgage guides

See more guides

A complete guide to buying a home

A complete guide to buying a home

The process of buying a house can take months, but knowing what to do and where to get help could make it quicker and easier. Here is what to do when you buy a home.

Read More
How much does it cost to buy a home?

How much does it cost to buy a home?

Your home could be the most expensive purchase you ever make. Here is how much you might spend and how to make sure you can afford a mortgage and all of the other costs.

Read More
Leasehold vs freehold

Leasehold vs freehold: Which should you get?

If you’re looking to buy a property in England or Wales, you’ll notice that they’re either listed as leasehold or freehold. But what’s the difference? We’re here to explain the terms, and share what they might mean for you as a property owner.

Read More

Why compare mortgages with money.co.uk?

Comparing mortgages could help you save money. Our award-winning loan comparison service makes sure you get our best interest rates. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators to help you make life's most important decisions and take control of your money.

Proud to be award winning

We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.