Compare our best 85% LTV mortgages

Compare all 85% LTV mortgages, or 15% deposit mortgages from our mortgage providers that could lend you up to 85% of the purchase price if you have 15% equity in your home or a 15% deposit.

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1025 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
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
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
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
Yorkshire Building Society 2 year BBR tracker
Maximum LTV
85%
Initial rate
1.89% base rate tracker until 31 Jul 2024
Subsequent rate (SVR)
4.74% variable
Overall cost for comparison
3.9% APRC
Yorkshire Building Society 2 year BBR tracker
The initial rate will be followed by a rate of 3.75% until 31 Jul 2027 (0.99% 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 31 Jul 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
Hinckley & Rugby Building Society 2 year discount
Maximum LTV
85%
Initial rate
1.95% for 2 years (4.24% discount on SVR)
Subsequent rate (SVR)
6.19% variable
Overall cost for comparison
5.1% 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 feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

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

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

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
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
85%
Initial rate
1.95% for 2 years (4.24% discount on SVR)
Subsequent rate (SVR)
6.19% variable
Overall cost for comparison
5.1% 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 feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

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

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

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
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
Furness Building Society 2 year discount cashback mortgage
Maximum LTV
90%
Initial rate
1.99% for 2 years (3.65% discount on SVR)
Subsequent rate (SVR)
5.64% variable
Overall cost for comparison
5.1% APRC
Furness Building Society 2 year discount cashback mortgage
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 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
Scottish Building Society 2 year discount
Maximum LTV
95%
Initial rate
1.99% for 2 years (3.2% 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
90%
Initial rate
1.99% for 2 years (3.2% 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 for properties in Scotland
Maximum LTV
95%
Initial rate
1.99% for 2 years (3.2% 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
90%
Initial rate
1.99% for 2 years (3.2% 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
AIB (NI) 2 year fixed for properties in Northern Ireland
Maximum LTV
85%
Initial rate
2.1% fixed until 31 May 2024
Subsequent rate (SVR)
4.45% variable
Overall cost for comparison
4.29% APRC
AIB (NI) 2 year fixed 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:

- 6 months interest, before 31 May 2024

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
Max age at term end65 years
Minimum Age18 years
Minimum Income£8,000
Permanent UK Resident
Self Employed Accepted
AIB (NI) 2 year fixed for properties in Northern Ireland for first time buyers
Maximum LTV
85%
Initial rate
2.1% fixed until 31 May 2024
Subsequent rate (SVR)
4.45% variable
Overall cost for comparison
4.29% APRC
AIB (NI) 2 year fixed for properties in Northern Ireland for first time buyers
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:

- 6 months interest, before 31 May 2024

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
First Time Buyers Only
First Time Buyers
Max age at term end65 years
Minimum Age18 years
Minimum Income£8,000
Permanent UK Resident
Self Employed Accepted
AIB (NI) 2 year fixed remortgage for properties in Northern Ireland
Maximum LTV
85%
Initial rate
2.1% fixed until 31 May 2024
Subsequent rate (SVR)
4.45% variable
Overall cost for comparison
4.29% APRC
AIB (NI) 2 year fixed 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:

- 6 months interest, before 31 May 2024

Other fees may apply.

Eligibility
Available Direct
Available in Northern Ireland
Max age at term end65 years
Minimum Age18 years
Minimum Income£8,000
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Newbury Building Society 5 year discount
Maximum LTV
85%
Initial rate
2.14% for 5 years (1.96% discount on SVR)
Subsequent rate (SVR)
4.1% variable
Overall cost for comparison
3.3% APRC
Newbury Building Society 5 year discount
Available in branch only.
More information
Application fee£600 with an option to add to the loan
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

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

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

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

- 1.00% of the original loan, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Self Employed Accepted
Newbury Building Society 5 year discount remortgage
Maximum LTV
85%
Initial rate
2.14% for 5 years (1.96% discount on SVR)
Subsequent rate (SVR)
4.1% variable
Overall cost for comparison
3.3% APRC
Newbury Building Society 5 year discount remortgage
Available in branch only.
More information
Application fee£850 with an option to add to the loan
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

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

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

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

- 1.00% of the original loan, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Newbury Building Society 5 year discount shared equity remortgage
Maximum LTV
85%
Initial rate
2.14% for 5 years (1.96% discount on SVR)
Subsequent rate (SVR)
4.1% variable
Overall cost for comparison
3.4% APRC
Newbury Building Society 5 year discount shared equity remortgage
Available in branch only. This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application fee£850 with an option to add to the loan
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

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

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

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

- 1.00% of the original loan, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted

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

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

Which is the best 85% mortgage deal?

The best mortgage deal will offer you the money you need for your mortgage at the lowest cost over the term. To get you started, use this comparison to check the:

  • Maximum loan to value (LTV): This is the most you can borrow against the value of a property, e.g. you could borrow £170k on a property worth £200k with an 85% LTV.

  • Initial rate: This is the rate you pay until the end of the mortgage deal, e.g. 3% for 3 years. You can find mortgage deals that range from 1 to 10 years.

  • Standard variable rate (SVR): This is the rate you pay after the initial rate ends. Then you can switch to a better rate with your lender or remortgage to another.

  • Overall cost for comparison: This is the average of the initial rate and SVR over a 25 year period, including any mortgage fees.

You can only apply for an 85% mortgage deal if you have at least a 15% deposit or 15% equity in your property.

Alternatively, if you rent out your property you can compare 85% buy to let mortgages here instead.

Here is help choosing the right mortgage deal

What types of mortgage rate are there?

There are two main types of interest rate you can get with an 85% mortgage:

  • Variable: This could be a tracker, capped or standard variable rate which can go up or down if the lender decides, or if the Bank of England base rate changes.

  • Fixed: You agree to a fixed interest rate for a set term during your mortgage. You can choose a new fixed term after the set term is over, or let the mortgage revert to its standard variable rate (SVR).

Most banks or building societies offer either a variable or fixed interest rate with a fee or without. The interest rate is usually lower when you pay a fee. It's important to compare prices with different mortgage providers to make sure that you're not just finding a cheap mortgage but that it's one you can afford and one that works for you.

Here is everything you need to know about mortgages

How can I find the right 85% mortgage for me?

The right mortgage for you will depend on factors including how much you can afford to pay in fees and interest, and how much you are looking to borrow. It's important to think about different scenarios and not to just focus on the interest and finding cheap mortgage rates.

For example, a low interest mortgage might be cheaper in the long run but if it's a variable rate mortgage, it could become more expensive when interest rates rise.

It's worth remembering that the best mortgage interest rates are reserved for those with a large deposit and an excellent credit score. Find out how to improve your credit score in our guide.

85% mortgage FAQs

About our 85% mortgage comparison

Last updated: 11 October, 2021

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