Jason Bailey

Expertly compared by Jason Bailey

Products Updated June 26, 2019

85% Mortgages

Compare and view all the best 85% loan to value mortgage deals from across the market place that require a 15% deposit. View mortgage rates on offer for both residential and 85% buy to let mortgage products and see how they compare between lenders side by side.

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.

85% Loan to value mortgages

Lenders who offer 85% mortgages

Lenders who offer 85% mortgages

An 85% LTV mortgage means that you’ll need a 15% deposit to put down against the purchase of your home. This means a contribution of 15% of the property buying price and that you’ll need to have additional funds to pay for additional costs such as stamp duty, conveyancing and moving costs etc.

Why get an 85% loan to value (LTV) mortgage?

Being able to raise a 15% deposit will mean that there are lenders and mortgage products to choose from that offer better rates when compared to 95% and 90% mortgage deals.

Having a larger deposit will mean you’ll benefit from better rates and more choice of lenders. Therefore as long as you have the money to put down then choosing an 85% mortgage product over a 90% mortgage will save you money in interest fees.

What are the draw backs?

The only drawback to making a 15% deposit is that you would probably get a better rate of interest if you could afford a 20 or 25% deposit and so on. However many people only put down what they can afford and a 15% deposit is a good deposit particularly for a first time buyer.

Where can I find out what 85% LTV mortgages are available?

Our mortgage comparison tools here on the website display all of the 85% mortgage products from the whole UK market. This means we have access to every product available. Simply carry out a search and compare the deals and rates side-by-side to see who is offering the best deals.

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

If you have a history of bad credit, missed payments, CCJ’s or you know you have a low credit score then the best advice would be to speak to a mortgage expert here on the website. They have a detailed understanding of the lenders who are willing to borrow to those with a not so perfect credit score.

Where can I find further mortgage advice?

If you need to speak to someone then we recommend you speak to a mortgage broker here on the website. Their advice is free and they have access to all the mortgages and rates available.

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