85% Mortgages

Compare and view all the best 85% loan to value mortgage deals from the whole market place. View the 85% LTV rates on offer and see how they compare between lenders side by side. Simply change the mortgage search filters to adjust the results to suit your needs.

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Mortgage Expert



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Direct 2 Year Discount £1495 Fee

Initial Rate
1.54%

Mortgage Type
Discount

Duration
Apr-2019

Monthly Payment
£620.79

APR
4.3%

compare

Direct 2 Year Fixed £1450 Fee

Initial Rate
1.89%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£640.33

APR
3.5%

compare

Direct 2 Year Discount £499 Fee

Initial Rate
1.89%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£642.42

APR
4.5%

compare

Direct 2 Year Fixed £1499 Fee

Initial Rate
1.94%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£649.72

APR
4.2%

compare

Direct 2 Year Fixed £1499 Fee Existing Borrower

Initial Rate
1.94%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£650.35

APR
4.3%

compare

2 Year Discount £800 Fee

Initial Rate
1.95%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£648.15

APR
4.6%

compare

Direct 2 Year Fixed £1695 Fee

Initial Rate
1.95%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£651.92

APR
4.4%

compare

Intermediary 2 Year Fixed £800 Fee Limited Edition

Initial Rate
1.99%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£651.29

APR
4.7%

compare

Intermediary 2 Year Fixed £800 Fee

Initial Rate
1.99%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£651.14

APR
5%

compare

Direct 2 Year Fixed £999 Fee Standard

Initial Rate
1.99%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£651.56

APR
3.5%

compare

Direct / Semi Exclusive 2 Year Fixed £800 Fee Limited Edition

Initial Rate
1.99%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£651.29

APR
4.7%

compare

2 Year Discount £1499 Fee

Initial Rate
1.99%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£654.18

APR
5.1%

compare

Direct 2 Year Fixed £749 Fee C/A Premier/Advance Standard

Initial Rate
1.99%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£650.50

APR
3.5%

compare

Intermediary 2 Year Fixed £1499 Fee

Initial Rate
1.99%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£654.10

APR
4.2%

compare

Intermediary 2 Year Fixed £995 Fee

Initial Rate
2.06%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£657.22

APR
4.9%

compare

2 Year Discount 0.5% Fee

Initial Rate
2.09%

Mortgage Type
Discount

Duration
Apr-2019

Monthly Payment
£658.50

APR
5.2%

compare

ATOM 2 Year Discount 0.5% Fee

Initial Rate
2.09%

Mortgage Type
Discount

Duration
Apr-2019

Monthly Payment
£658.50

APR
5.2%

compare

2 Year Fixed £800 Fee

Initial Rate
2.09%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£658.65

APR
4.7%

compare

Direct 2 Year Fixed £995 Fee

Initial Rate
2.09%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£659.48

APR
4.4%

compare

Direct 2 Year Fixed £499 Fee £150k and Over Existing Borrower

Initial Rate
2.09%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£657.36

APR
4.3%

compare

Direct 2 Year Fixed £999 Fee £150k and Over

Initial Rate
2.09%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£659.50

APR
4.3%

compare

Direct 2 Year Fixed £499 Fee Over £150k Existing Borrowers

Initial Rate
2.09%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£657.36

APR
4.3%

compare

Direct 2 Year Fixed £999 Fee Over £150k

Initial Rate
2.09%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£659.50

APR
4.3%

compare

2 Year Fixed £995 Fee Purchase

Initial Rate
2.11%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£661.02

APR
4.5%

compare

2 Year Fixed £895 Fee

Initial Rate
2.13%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£662.16

APR
4.9%

compare

Direct 2 Year Fixed £999 Fee

Initial Rate
2.14%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£662.63

APR
4.2%

compare

Direct 2 Year Fixed £999 Fee Existing Borrower

Initial Rate
2.14%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£663.28

APR
4.2%

compare

Direct 2 Year Fixed £995 Fee

Initial Rate
2.15%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£664.02

APR
3.7%

compare

Intermediary 2 Year Fixed £499 Fee Product Transfer <£500k

Initial Rate
2.19%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£664.90

APR
4.3%

compare

Direct / Semi Exclusive 2 Year Fixed £800 Fee

Initial Rate
2.19%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£666.21

APR
5.3%

compare

Intermediary 2 Year Fixed £999 Fee <£500k

Initial Rate
2.19%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£667.07

APR
4.3%

compare

Flexx For Term £999 Fee

Initial Rate
2.19%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£667.07

APR
2.3%

compare

2 Year Discount £999 Fee

Initial Rate
2.19%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£666.32

APR
4.5%

compare

Intermediary 2 Year Fixed £999 Fee

Initial Rate
2.19%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£667.07

APR
4.2%

compare

Direct 2 Year Tracker £999 Fee Existing Borrowers C/A

Initial Rate
2.19%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£667.16

APR
3.6%

compare

Direct 2 Year Tracker £999 Fee Save To Buy Existing Borrowers

Initial Rate
2.19%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£667.16

APR
3.6%

compare

Direct 2 Year Tracker £999 Fee Save To Buy Existing Borrowers C/A

Initial Rate
2.19%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£667.16

APR
3.6%

compare

Direct 2 Year Fixed £995 Fee Product Transfer

Initial Rate
2.19%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£667.05

APR
4.4%

compare

2 Year Tracker £999 Fee Existing Borrowers

Initial Rate
2.19%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£667.16

APR
3.6%

compare

Direct 2 Year Tracker £999 Fee Switcher

Initial Rate
2.19%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£667.16

APR
3.5%

compare

Direct 2 Year Fixed No Fee East Midlands Only

Initial Rate
2.19%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£662.74

APR
4.5%

compare

Direct 2 Year Fixed £300 Fee

Initial Rate
2.19%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£664.04

APR
4.6%

compare

Intermediary Premier Semi Exclusive 2 Year Discount 0.4% Fee Purchase

Initial Rate
2.19%

Mortgage Type
Discount

Duration
Feb-2019

Monthly Payment
£665.39

APR
4.4%

compare

Intermediary Key Account Exclusive 2 Year Fixed £999 Fee

Initial Rate
2.21%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£668.59

APR
4.2%

compare

Intermediary Key Account Exclusive 2 Year Fixed £999 Fee (Scottish)

Initial Rate
2.21%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£668.59

APR
4.2%

compare

Intermediary 2 Year Fixed £995 Fee Purchase

Initial Rate
2.23%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£670.10

APR
4.9%

compare

FTB 2 Year Fixed £995 Fee

Initial Rate
2.24%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£670.86

APR
4.3%

compare

2 Year Fixed £995 Fee Purchase

Initial Rate
2.24%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£670.86

APR
4.3%

compare

Lifetime Flexible Discount £800 Fee

Initial Rate
2.24%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£670.01

APR
2.3%

compare

FTB 2 Year Fixed £999 Fee

Initial Rate
2.24%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£670.87

APR
4.2%

compare



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Recent mortgage Q&A

85% Loan to value mortgages

85% Mortgages

An 85% 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% deals 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% product 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 in todays housing market.

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 cheapest rates.

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

Improve your credit score

If you have a history of missed payments, CCJ’s or you know you have a low credit score then the best advice would be to speak to a bad credit 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 advice?

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

Related mortgage product pages

95% mortgages for first time buyers | 90% mortgages | 85% mortgages | 80% mortgages | 75% mortgages | 70% mortgages | Mortgage Broker | Mortgage Calculator

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