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.

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1867 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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Lloyds Bank 2 year fixed cashback remortgage for people with an existing current account
Maximum LTV
80%
Initial rate
1.61% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% 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 or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 2 year fixed remortgage
Maximum LTV
80%
Initial rate
1.61% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% 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 or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
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
Halifax 2 year fixed
Maximum LTV
80%
Initial rate
1.66% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 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 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

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
Halifax 2 year fixed for first time buyers
Maximum LTV
80%
Initial rate
1.66% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 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 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

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
Halifax 2 year fixed
Maximum LTV
80%
Initial rate
1.69% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% 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 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

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
Halifax 2 year fixed for first time buyers
Maximum LTV
80%
Initial rate
1.69% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% 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 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

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
Lloyds Bank 2 year fixed cashback remortgage for people with an existing current account
Maximum LTV
80%
Initial rate
1.71% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.4% 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 amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 2 year fixed remortgage
Maximum LTV
80%
Initial rate
1.71% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% 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 amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
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
Clydesdale Bank 2 year fixed
Maximum LTV
80%
Initial rate
1.89% fixed until 31 Oct 2023
Subsequent rate (SVR)
4.55% variable
Overall cost for comparison
4.2% APRC
More information
Application feeNo fee
Arrangement fee£1,499 with an option to add to the loan; £750 with an option to add to the loan for existing customers
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, before 31 Oct 2022

- then 2.00% of amount paid, until 31 Oct 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Yorkshire Bank 2 year fixed
Maximum LTV
80%
Initial rate
1.89% fixed until 31 Oct 2023
Subsequent rate (SVR)
4.55% variable
Overall cost for comparison
4.1% APRC
More information
Application feeNo fee
Arrangement fee£1,499 with an option to add to the loan; £750 with an option to add to the loan for existing customers
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, before 31 Oct 2022

- then 2.00% of amount paid, until 31 Oct 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Lloyds Bank 5 year fixed cashback remortgage for people with an existing current account
Maximum LTV
80%
Initial rate
1.92% fixed until 30 Nov 2026
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:

- 5.00% of amount paid, before 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 5 year fixed remortgage
Maximum LTV
80%
Initial rate
1.92% fixed until 30 Nov 2026
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:

- 5.00% of amount paid, before 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
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
Barclays 5 year fixed
Maximum LTV
80%
Initial rate
1.94% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% base rate tracker
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:

- 3.00% of amount paid, before 30 Nov 2026

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 end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Generation Home 2 year fixed
Maximum LTV
80%
Initial rate
1.94% fixed for 2 years
Subsequent rate (SVR)
4.15% variable
Overall cost for comparison
3.86% 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 Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Minimum Income£12,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Generation Home 2 year fixed
Maximum LTV
80%
Initial rate
1.94% fixed for 2 years
Subsequent rate (SVR)
4.15% variable
Overall cost for comparison
3.86% 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 Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Minimum Income£12,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Generation Home 2 year fixed
Maximum LTV
80%
Initial rate
1.94% fixed for 2 years
Subsequent rate (SVR)
4.15% variable
Overall cost for comparison
3.86% 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 Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Minimum Income£12,000
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Lloyds Bank 5 year fixed cashback remortgage for people with an existing current account
Maximum LTV
80%
Initial rate
1.96% fixed until 30 Nov 2026
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£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 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 5 year fixed remortgage
Maximum LTV
80%
Initial rate
1.96% fixed until 30 Nov 2026
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£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 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
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
First Direct 2 year fixed
0808 296 6568
Maximum LTV
80%
Initial rate
1.99% fixed for 2 years
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.3% APRC
Available via telephone only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking fee£490 paid upfront (non-refundable)
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

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

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

- 2.00% of the original loan, in the second year

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 end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Halifax 2 year fixed
Maximum LTV
85%
Initial rate
1.99% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 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 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

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
Halifax 2 year fixed for first time buyers
Maximum LTV
85%
Initial rate
1.99% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 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 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

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
Halifax 2 year fixed
Maximum LTV
85%
Initial rate
2.01% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% 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 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

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
Halifax 2 year fixed for first time buyers
Maximum LTV
85%
Initial rate
2.01% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% 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 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

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
Halifax 5 year fixed
Maximum LTV
80%
Initial rate
2.02% fixed until 30 Nov 2026
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£1,495 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 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

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
Halifax 5 year fixed for first time buyers
Maximum LTV
80%
Initial rate
2.02% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.4% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 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 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

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

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 comparison3.72% APRC representative
Initial rate2.30% fixed for 2 years (24 instalments of £741.17pm)Subsequent rate (SVR)3.92% variable for the remaining 23 years (276 instalments of £879.17pm)
Lender fee£584Total amount payable£261,022.71

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

To work out how much a lender may let you borrow, use our mortgage calculator.

Yes, you can use a mortgage broker to find you a suitable deal, or you could read our mortgage guides for more information before applying.

Some mortgages are portable, but if your LTV is lower for your new home you could save money by switching to a better deal.

No, but it will increase the chances of your mortgage getting accepted. You may find it harder to get a mortgage with poor credit, find out more here.

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.