Compare 1,590 Low Deposit Mortgages

Featuring a Loan to Value (LTV) of 85% or higher, low deposit mortgages are ideal for people with limited savings. You can compare the latest rates and other important product features on low deposit mortgages in the table below.

Choose a mortgage type below
Amount of deposit you can put down?
0% 5% 10% 15%

Low deposit mortgages - lowest initial rate

Mortgage Type
Buy to Let: For landlords purchasing a property for letting.
Discount:The interest rate rises and falls with the provider’s standard variable rate but is set at a lower discounted rate for certain period.
Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years.
Offset: Mortgage interest payments are offset against any savings you may hold.
Tracker:The interest rate rises and falls with the Bank of England base rate.
Variable: The interest rate rises and falls with the provider’s standard interest rate (SVR).
Initial Rate
The introductory rate of interest that you will pay for a certain period of time depending on the mortgage type and term.
Initial Term
The length of time that the initial interest rate applies to the mortgage.
Overal Cost For Comparison
This is the mortgage’s Annual Percentage Rate (APR): the interest rate that you will be charged on your mortgage including all charges such as arrangement fees.
Max LTV
The percentage of a property’s value for which the mortgage can be used.
Example:75% loan to value = 25% deposit.
Fee To Apply
This is the fee that must be paid to the lender when you take out the mortgage.
If the fee charged is a % we have based the fee on a 150k mortgage.
ERC
Will your lender charge you for repaying the mortgage early?
Use the arrows to compare whole of market
Chelsea Building Society - 2yr BBR + 1.34% LTV 85% Direct
Tracker
1.84%
then 5.45%
30/04/2017
5.00%
APR
85%
£975

Call Chelsea Building Society for more information

Call:0845 004 4527

Lines are open: Mon to Friday 8am-8pm, Saturday 9am-1pm, Sunday - closed. (excl. public holidays). Calls may be recorded. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Click here to find out more

Yorkshire Building Society - 2yr BBR + 1.34% LTV 85% Direct
Tracker
1.84%
then 4.99%
30/04/2017
4.60%
APR
85%
£975

Call Yorkshire Building Society for more information

Call:0845 868 2629

Lines are open: Mon to Fri 8am-8pm, Sat 9am-1pm, Sun - closed. Calls may be recorded. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Click here to find out more

Chelsea Building Society - 2yr BBR + 1.54% Offset LTV 85% Direct
Tracker
2.04%
then 5.45%
30/04/2017
5.00%
APR
85%
£975

Call Chelsea Building Society for more information

Call:0845 004 4527

Lines are open: Mon to Friday 8am-8pm, Saturday 9am-1pm, Sunday - closed. (excl. public holidays). Calls may be recorded. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Click here to find out more

Yorkshire Building Society - 2yr BBR + 1.54% Offset LTV 85% Direct
Tracker
2.04%
then 4.99%
30/04/2017
4.60%
APR
85%
£975

Call Yorkshire Building Society for more information

Call:0845 868 2629

Lines are open: Mon to Fri 8am-8pm, Sat 9am-1pm, Sun - closed. Calls may be recorded. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Click here to find out more

TSB - 2yr BBR + 1.74% H/P LTV 85% Direct
+ More Info
Call Direct
0808 250 8883
Tracker
2.24%
then 3.99%
30/04/2017
3.90%
APR
85%
£995

Call TSB for more information

Call:0808 250 8883

Open 8am-8pm Mon-Fri, 9am-2pm on Saturdays
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Click here to find out more

Virgin Money - 2yr 2.34% Fxd H/P C/B NewBuild LTV 85% Inter Excl
+ More Info
Call Direct
0845 564 2023
Fixed
2.34%
then 4.79%
01/04/2017
4.50%
APR
85%
£1094

Call Virgin Money for more information

Call:0845 564 2023

Lines open 8am - 8pm Monday to Friday, 10am - 3pm Saturday and 10am - 3pm on Sunday.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Post Office Ltd - 2yr 2.38% Fixed BBR LTV 85% + incentives
Fixed
2.38%
then 4.49%
31/03/2017
4.20%
APR
85%
£995

Call Post Office Ltd for more information

Call:

Lines open 8.30am - 7.30pm weekdays, 9am - 1.30pm Saturdays (closed on Sundays). You must be UK resident aged 18+. (Buy to Let 21) Loans £25,001 - £1,000,000. T&Cs apply. Please see our General Lending Criteria. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Click here to find out more

Virgin Money - 2yr 2.39% Fixed H/P C/B LTV 85%
+ More Info
Call Direct
0845 564 2023
Fixed
2.39%
then 4.79%
01/04/2017
4.50%
APR
85%
£1094

Call Virgin Money for more information

Call:0845 564 2023

Lines open 8am - 8pm Monday to Friday, 10am - 3pm Saturday and 10am - 3pm on Sunday.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Chelsea Building Society - 2yr 2.44% Fixed LTV 85% Direct
Fixed
2.44%
then 5.45%
30/04/2017
5.10%
APR
85%
£1675

Call Chelsea Building Society for more information

Call:0845 004 4527

Lines are open: Mon to Friday 8am-8pm, Saturday 9am-1pm, Sunday - closed. (excl. public holidays). Calls may be recorded. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Click here to find out more

Existing customers only.
TSB - 2yr BBR + 1.94% R/M C/B LTV 85% Ex/C Direct
+ More Info
Call Direct
0808 250 8883
Tracker
2.44%
then 3.99%
30/04/2017
3.90%
APR
85%
£995

Call TSB for more information

Call:0808 250 8883

Open 8am-8pm Mon-Fri, 9am-2pm on Saturdays
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Click here to find out more

Existing customers only.
HSBC - 2yr 1.46% Discount Ex/B LTV 90% Special Direct
+ More Info
Call Direct
0800 077 4339
Discount
2.48%
then 3.94%
30/04/2017
3.80%
APR
90%
£999

Call HSBC for more information

Call:0800 077 4339

Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Click here to find out more

Existing customers only.
HSBC - 2yr 1.46% Discount Ex/C LTV 90% Adv/Prem Special
+ More Info
Call Direct
0800 077 4339
Discount
2.48%
then 3.94%
30/04/2017
3.80%
APR
90%
£1199

Call HSBC for more information

Call:0800 077 4339

Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Click here to find out more

HSBC - 2yr 1.46% Discount LTV 90% Special Direct
+ More Info
Call Direct
0800 077 4339
Discount
2.48%
then 3.94%
30/04/2017
3.90%
APR
90%
£1499

Call HSBC for more information

Call:0800 077 4339

Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Click here to find out more

Existing customers only.
Nationwide Building Society - Flex 2yr 2.49% Fixed LTV 85% Ex/B Switch Direct
Fixed
2.49%
then 3.99%
24 months
3.80%
APR
85%
£999

Call Nationwide Building Society for more information

Call:

Click here to find out more

Yorkshire Building Society - Flexi 2yr 2.49% Fixed LTV 85% Direct
Fixed
2.49%
then 4.99%
30/04/2017
4.70%
APR
85%
£975

Call Yorkshire Building Society for more information

Call:0845 868 2629

Lines are open: Mon to Fri 8am-8pm, Sat 9am-1pm, Sun - closed. Calls may be recorded. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Click here to find out more

Existing customers only.
Nationwide Building Society - Flex 2yr BBR + 1.99% LTV 85% Ex/B Switch Direct
Tracker
2.49%
then 3.99%
24 months
3.80%
APR
85%
£999

Call Nationwide Building Society for more information

Call:

Click here to find out more

Existing customers only.
Nationwide Building Society - Flex 3yr BBR + 1.99% H/P C/B LTV 85% Ex/B No Fee
Tracker
2.49%
then 3.99%
36 months
3.60%
APR
85%
No Fee

Call Nationwide Building Society for more information

Call:

Click here to find out more

Existing customers only.
Nationwide Building Society - Flex 3yr BBR + 1.99% H/P LTV 85% Ex/B No Fee
Tracker
2.49%
then 3.99%
36 months
3.50%
APR
85%
No Fee

Call Nationwide Building Society for more information

Call:

Click here to find out more

Existing customers only.
Nationwide Building Society - Flex 3yr BBR + 1.99% LTV 85% Ex/B Switch Direct NF
Tracker
2.49%
then 3.99%
36 months
3.50%
APR
85%
No Fee

Call Nationwide Building Society for more information

Call:

Click here to find out more

TSB - 2yr 2.54% Fixed H/P LTV 85% Semi Exclusive
+ More Info
Call Direct
0808 250 8883
Fixed
2.54%
then 3.99%
30/04/2017
Pending
APR
85%
£995

Call TSB for more information

Call:0808 250 8883

Open 8am-8pm Mon-Fri, 9am-2pm on Saturdays
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Nationwide Building Society - Flex 2yr 2.59% Fixed FTB LTV 85%
Fixed
2.59%
then 3.99%
24 months
3.80%
APR
85%
£499

Call Nationwide Building Society for more information

Call:

Click here to find out more

Nationwide Building Society - Flex 2yr 2.59% Fixed H/P LTV 85%
Fixed
2.59%
then 3.99%
24 months
3.80%
APR
85%
£999

Call Nationwide Building Society for more information

Call:

Click here to find out more

Existing customers only.
Nationwide Building Society - Flex 2yr BBR + 2.09% H/P LTV 85% Ex/B
Tracker
2.59%
then 3.99%
24 months
3.80%
APR
85%
£999

Call Nationwide Building Society for more information

Call:

Click here to find out more

Nationwide Building Society - Flex 3yr BBR + 2.09% R/M LTV 85% No Fee
Tracker
2.59%
then 3.99%
36 months
3.50%
APR
85%
No Fee

Call Nationwide Building Society for more information

Call:

Click here to find out more

Nationwide Building Society - Flex 3yr BBR + 2.09%H/P LTV 85%
Tracker
2.59%
then 3.99%
36 months
3.60%
APR
85%
No Fee

Call Nationwide Building Society for more information

Call:

Click here to find out more

Chelsea Building Society - Flexi 2yr 2.64% Fixed Offset LTV 85% Direct
Fixed
2.64%
then 5.45%
30/04/2017
5.10%
APR
85%
£1675

Call Chelsea Building Society for more information

Call:0845 004 4527

Lines are open: Mon to Friday 8am-8pm, Saturday 9am-1pm, Sunday - closed. (excl. public holidays). Calls may be recorded. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Click here to find out more

TSB - 2yr 2.64% Fixed H/P LTV 85% Direct
+ More Info
Call Direct
0808 250 8883
Fixed
2.64%
then 3.99%
30/04/2017
3.90%
APR
85%
£995

Call TSB for more information

Call:0808 250 8883

Open 8am-8pm Mon-Fri, 9am-2pm on Saturdays
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Click here to find out more

TSB - 2yr BBR + 2.14% H/P LTV 85% Direct No Fee
+ More Info
Call Direct
0808 250 8883
Tracker
2.64%
then 3.99%
30/04/2017
3.90%
APR
85%
No Fee

Call TSB for more information

Call:0808 250 8883

Open 8am-8pm Mon-Fri, 9am-2pm on Saturdays
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Click here to find out more

Chelsea Building Society - 2yr 2.69% Fixed LTV 85% Direct
Fixed
2.69%
then 5.45%
30/04/2017
5.10%
APR
85%
£475

Call Chelsea Building Society for more information

Call:0845 004 4527

Lines are open: Mon to Friday 8am-8pm, Saturday 9am-1pm, Sunday - closed. (excl. public holidays). Calls may be recorded. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Click here to find out more

Existing customers only.
Clydesdale Bank - 2yr 2.69% Fixed LTV 85% Direct Ex/C Private
Fixed
2.69%
then 4.95%
30/04/2017
4.60%
APR
85%
£999

Call Clydesdale Bank for more information

Call:

Click here to find out more

Existing customers only.
Yorkshire Bank - 2yr 2.69% Fixed LTV 85% Direct Ex/C Private
Fixed
2.69%
then 4.95%
30/04/2017
4.60%
APR
85%
£999

Call Yorkshire Bank for more information

Call:

Click here to find out more

Yorkshire Building Society - Flexi 2yr 2.69% Fixed LTV 85% Direct
Fixed
2.69%
then 4.99%
30/04/2017
4.70%
APR
85%
£475

Call Yorkshire Building Society for more information

Call:0845 868 2629

Lines are open: Mon to Fri 8am-8pm, Sat 9am-1pm, Sun - closed. Calls may be recorded. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Click here to find out more

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

We may receive a commission from some of the companies we refer you to, these are displayed with a green ‘More Info' button. Listings with a green 'Enquire' button refer you to an FCA regulated mortgage broker where we also receive a fixed fee. Tables initially display lenders from whom we receive commission, ordered by initial rate. Using the green arrows allows whole-of-market comparisons ordered by the chosen table column.

Mortgage data supplied by Defaqto. Last updated 11:30, 30/01/2015.

Low deposit mortgages

Low deposit mortgages are designed to help people get onto the housing ladder. They allow you to borrow more of the total money you need to buy your home which means, of course, that you'll need to put in less money upfront as a deposit.

With a low deposit mortgage you might be able to borrow as much as 95 per cent of the value of your new home. This is known as the loan-to-value ratio, or LTV. Elsewhere in the market, you could need to find as much as 40 per cent as a deposit.

The trade-off is that you will often find that you are faced with a higher interest rate, a larger arrangement fee or both.

Low deposit mortgages usually begin on a fixed interest rate, or one that tracks the base rate, for an initial locked-in period. After this period - lasting anywhere between one and five years - ends, you'll revert to a standard variable rate. At this point, though, you will be able to seek a new deal.

With these deals often aimed at first time buyers, a bank will sometimes be prepared to give you a better loan-to-value ratio if a relative or other benefactor can act as guarantor or if you are taking a buy-to-let mortgage and can prove you'll get a steady income from rent.

Beware - as always, you could face an arrangement fee on your mortgage of anywhere up to £2,000 or more.

Click here to read our handy guide covering frequently asked questions about mortgages.

Helpful links for mortgage issues

Gov.uk - The government website's 'Owning and renting property' page features information on a range of issues including buying and selling property, property regulations and taxes, and mortgage aid schemes.

HMRC - HM Revenue & Custom's Stamp Duty page tells you everything you need to know about the tax including reliefs, exemptions, payments and penalties.

Council of Mortgage Lenders (CML) - The CML's consumer information pages feature a host of information on buying a property and choosing and managing a mortgage.

Citizens Advice Bureau - Citizens Advice Bureau's 'mortgage problems' section offers help and advice to people who are having trouble keeping up with their mortgage repayments.

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