Jason Bailey

Expertly compared by Jason Bailey

Products Updated June 26, 2019

80% Mortgages

Use the mortgage comparison tools to find and compare the cheapest 80% LTV mortgage deals on the market that require a 20% deposit. We compare all mortgages including residential and 80% buy to let products from across a wide range of lenders within the market place.

Free mortgage advice and brokerage service. Our experts can find you the perfect deal from thousands of products & exclusive deals:

Your home may be repossessed if you do not keep up repayments on your mortgage.

Results:1 providers expertly compared:

Lending Expert


This provider is our Expert’s Choice in its category as it won tops marks for the following.


Learn more about how we review and assess the providers here on Lending Expert.

60% - 100%

Initial Rate
1.19% - 4.32%

Standard Rate (SVR)
3.94% - 4.79%


Variable & 3 ,5 & 10 Fixed Rate

Rated 4.9/ 5

All credit types

The mortgage experts at First Choice Finance can quickly assess your requirements and search the market place to find you the perfect mortgage deal. Click get a quote to make an enquiry today.

Read our customer and visitor reviews for this product:

Rating: 4 / 5 with 2 votes

Simple application process

by K Wheeler

Simple application process - broker was kind and offered advice.

Quick search

by James Hilton

This is a quick mortgage search facility and shows many lenders across the market. Impressed with the level of detail on each product.

80% loan to value mortgages

80% mortgage rates and lenders

80% mortgage rates and lenders

If you have a minimum of a 20% deposit then you can search and find all the mortgage products at 85% LTV (loan to value). It’s important to consider that on top of the 20% deposit requirement you’ll also need additional savings for moving costs such as stamp duty, conveyancing fees and moving transport costs.

What advantages are there to getting an 80% mortgage?

Having a 20% deposit means that you’ll have a good choice of lenders to choose from at reasonable rates of interest. With the average house price at approximately £250,000 this means you may have saved in the region of £50,000 to cover your deposit costs alone.

You’ll obtain a low rate mortgage when compared to other borrowers who have a 10 or 15% deposit and you’ll benefit from more choice in the market place.

What are the disadvantages?

The more you’re able to save towards a deposit then the lower rate deals you’ll be offered. If you could save further and get perhaps a 75% mortgage or even 70% deal then you’ll be able to make further savings and get a cheaper rate deal.

Can I get a mortgage with a bad credit history or low credit score?

If you have experienced difficulties in the past and have missed payments or even CCJ’s then we would recommend that you speak to a mortgage expert here on the website. They understand which lenders are willing to lend to those with an adverse or bad credit history and would be happy to help find you a suitable mortgage lender.

How can I discover what 80% mortgages are available?

Our mortgage comparison tools found right here on this page will help you to search and find all the 80% deals available. Simply use the search facility and you can quickly view and compare all the deals side by side to see which offer the best and cheapest rates.

Where can I speak to someone about a mortgage?

Our mortgage brokers are experts here on the website. They will be happy to discuss your mortgage requirements and will be happy to answer any questions you may have. Their advice and recommendations are free and you’re under no obligation to proceed with a mortgage.

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