Compare 20% Deposit Mortgages

  • If you have a 20 percent deposit to lay down on your property purchase then you will need an 80 percent loan-to-value mortgage.
  • Compare 20 percent mortgage deals, rates and fees in our table below.

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  • Lloyds Bank's logo'

    Lloyds Bank 2 Year Fixed

    • Initial Rate
      1.50% Fixed to 30/11/2022
    • APRC
      3.50%
    • Product Fee
      £999
    • Monthly Repayment
      £639.90
    • Lender:
      Lloyds Bank
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £100,000
    • Max Loan:
      £249,999
    • Product Description:
      1.50% Fixed to 30/11/2022
    • Incentives:
      Free valuation fees
      free legal fees

    • Initial Monthly Repayment:
      £639.90 x 26
    • Ongoing Monthly Payments:
      £794.25 x 274
    • Total Amount Payable:
      £235,260.90
    • Total Interest Payable:
      £74,261.90
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/22: 2/1% Sum Repaid
  • Lloyds Bank's logo'

    Lloyds Bank 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.50% Fixed to 30/11/2022
    • APRC
      3.50%
    • Product Fee
      £999
    • Monthly Repayment
      £639.90
    • Lender:
      Lloyds Bank
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £100,000
    • Max Loan:
      £249,999
    • Product Description:
      1.50% Fixed to 30/11/2022
    • Incentives:
      Free valuation fees
      free legal fees
      £200 cashback

    • Initial Monthly Repayment:
      £639.90 x 26
    • Ongoing Monthly Payments:
      £794.25 x 274
    • Total Amount Payable:
      £235,060.90
    • Total Interest Payable:
      £74,261.90
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/22: 2/1% Sum Repaid
  • Click here to see 1 similar product
  • Monmouthshire BS's logo'

    Monmouthshire BS 2 Year Discounted Variable

    • Initial Rate
      1.65% Discounted Variable (collared at 0.90%) for 2 years (3.09% disc)
    • APRC
      4.20%
    • Product Fee
      £649
    • Monthly Repayment
      £651.24
    • Lender:
      Monmouthshire BS
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £40,000
    • Max Loan:
      Varies
    • Product Description:
      1.65% Discounted Variable (collared at 0.90%) for 2 years (3.09% disc)
    • Incentives:
    • Ongoing Monthly Payments:
      £651.24 x 24
    • Total Amount Payable:
      £263,189.68
    • Total Interest Payable:
      £101,385.68
    • Valuation Fee:
      £230
    • Exit Admin Fee:
      £125
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 1% Sum Repaid
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Initial Rate
      1.69% Fixed to 31/12/2022
    • APRC
      3.30%
    • Product Fee
      £995
    • Monthly Repayment
      £654.28
    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £25,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.69% Fixed to 31/12/2022
    • Incentives:
      Free valuation fees
      free legal fees
      free valuation admin fees

    • Initial Monthly Repayment:
      £654.28 x 27
    • Ongoing Monthly Payments:
      £795.17 x 273
    • Total Amount Payable:
      £235,741.97
    • Total Interest Payable:
      £74,746.97
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/12/22: 2/1% Sum Repaid
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 2 Year Fixed

    • Initial Rate
      1.69% Fixed to 31/12/2022
    • APRC
      3.30%
    • Product Fee
      £995
    • Monthly Repayment
      £654.28
    • Lender:
      Royal Bank of Scotland
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £25,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.69% Fixed to 31/12/2022
    • Incentives:
      Free valuation fees
      free legal fees
      free valuation admin fees

    • Initial Monthly Repayment:
      £654.28 x 27
    • Ongoing Monthly Payments:
      £795.17 x 273
    • Total Amount Payable:
      £235,741.97
    • Total Interest Payable:
      £74,746.97
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/12/22: 2/1% Sum Repaid
  • TSB's logo'

    TSB 2 Year Fixed

    • Initial Rate
      1.69% Fixed to 30/11/2022
    • APRC
      3.30%
    • Product Fee
      £995
    • Monthly Repayment
      £654.28
    • Lender:
      TSB
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £5,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.69% Fixed to 30/11/2022
    • Incentives:
      Free valuation fees
      free legal fees

    • Initial Monthly Repayment:
      £654.28 x 26
    • Ongoing Monthly Payments:
      £795.68 x 274
    • Total Amount Payable:
      £236,022.60
    • Total Interest Payable:
      £75,027.60
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/22: 2/1% Sum Repaid
  • TSB's logo'

    TSB 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.69% Fixed to 30/11/2022
    • APRC
      3.30%
    • Product Fee
      £995
    • Monthly Repayment
      £654.28
    • Lender:
      TSB
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £5,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.69% Fixed to 30/11/2022
    • Incentives:
      Free valuation fees
      free legal fees
      £150 cashback

    • Initial Monthly Repayment:
      £654.28 x 26
    • Ongoing Monthly Payments:
      £795.68 x 274
    • Total Amount Payable:
      £235,872.60
    • Total Interest Payable:
      £75,027.60
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/22: 2/1% Sum Repaid
  • Click here to see 1 similar product
  • West Brom BS's logo'

    West Brom BS 2 Year Discounted Variable

    • Initial Rate
      1.69% Discounted Variable to 30/11/2022 (2.30% disc)
    • APRC
      3.70%
    • Product Fee
      £999
    • Monthly Repayment
      £654.28
    • Lender:
      West Brom BS
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £40,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.69% Discounted Variable to 30/11/2022 (2.30% disc)
    • Incentives:
      Free valuation fees (Max £740)
      free valuation admin fees

    • Ongoing Monthly Payments:
      £654.28 x 26
    • Total Amount Payable:
      £245,745.28
    • Total Interest Payable:
      £83,746.28
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £200
    • Early Repayment Charge:
      No
  • Leek United BS's logo'

    Leek United BS 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.70% Fixed to 31/01/2023
    • APRC
      4.80%
    • Product Fee
      £1,495
    • Monthly Repayment
      £655.04
    • Lender:
      Leek United BS
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £25,000
    • Max Loan:
      £1,500,000
    • Product Description:
      1.70% Fixed to 31/01/2023
    • Incentives:
      Free valuation fees
      £400 cashback On Completion

    • Initial Monthly Repayment:
      £655.04 x 28
    • Ongoing Monthly Payments:
      £925.15 x 272
    • Total Amount Payable:
      £271,561.92
    • Total Interest Payable:
      £109,981.92
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £85
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/1/23: 2/1% Outstanding Balance
  • Cumberland BS's logo'

    Cumberland BS 2 Year Discounted Variable

    • Initial Rate
      1.71% Discounted Variable for 2 years (2.38% disc)
    • APRC
      3.80%
    • Product Fee
      £999
    • Monthly Repayment
      £655.81
    • Lender:
      Cumberland BS
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £50,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.71% Discounted Variable for 2 years (2.38% disc)
    • Incentives:
      Free valuation fees
      free legal fees Remortgages

    • Ongoing Monthly Payments:
      £655.81 x 24
    • Total Amount Payable:
      £247,903.20
    • Total Interest Payable:
      £86,754.20
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £150
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 1/0.5% Sum Repaid
  • Clydesdale Bank's logo'

    Clydesdale Bank 2 Year Discounted Variable

    • Initial Rate
      1.74% Discounted Variable to 30/11/2022 (2.81% disc)
    • APRC
      4.20%
    • Product Fee
      £999
    • Monthly Repayment
      £658.10
    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £0
    • Max Loan:
      £750,000
    • Product Description:
      1.74% Discounted Variable to 30/11/2022 (2.81% disc)
    • Incentives:
      Free valuation fees Max £3M of Purchase Price Remortgages
      free legal fees Remortgages

    • Website:
    • Ongoing Monthly Payments:
      £658.10 x 26
    • Total Amount Payable:
      £257,676.48
    • Total Interest Payable:
      £96,482.48
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
  • Clydesdale Bank's logo'

    Clydesdale Bank 2 Year Fixed

    • Initial Rate
      1.74% Fixed to 30/11/2022
    • APRC
      4.20%
    • Product Fee
      £1,499
    • Monthly Repayment
      £658.10
    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £150,000
    • Max Loan:
      £500,000
    • Product Description:
      1.74% Fixed to 30/11/2022
    • Incentives:
      Free valuation fees Max £3M of Purchase Price Remortgages
      free legal fees Remortgages

    • Website:
    • Initial Monthly Repayment:
      £658.10 x 26
    • Ongoing Monthly Payments:
      £873.62 x 274
    • Total Amount Payable:
      £258,176.48
    • Total Interest Payable:
      £96,482.48
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
  • Saffron BS's logo'

    Saffron BS 2 Year Discounted Variable

    • Initial Rate
      1.74% Discounted Variable (collared at ) for 2 years (3.65% disc)
    • APRC
      3.50%
    • Product Fee
      £180
    • Monthly Repayment
      £658.10
    • Lender:
      Saffron BS
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £30,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.74% Discounted Variable (collared at 1.74%) for 2 years (3.65% disc)
    • Incentives:
    • Ongoing Monthly Payments:
      £658.10 x 24
    • Total Amount Payable:
      £254,643.28
    • Total Interest Payable:
      £93,673.28
    • Valuation Fee:
      £260
    • Exit Admin Fee:
      £130
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 1% Mortgage Advance
  • Yorkshire Bank's logo'

    Yorkshire Bank 2 Year Fixed

    • Initial Rate
      1.74% Fixed to 30/11/2022
    • APRC
      4.20%
    • Product Fee
      £1,499
    • Monthly Repayment
      £658.10
    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £150,000
    • Max Loan:
      £500,000
    • Product Description:
      1.74% Fixed to 30/11/2022
    • Incentives:
      Free valuation fees Max £3M of Purchase Price Remortgages
      free legal fees Max £2M of Purchase Price Remortgages

    • Website:
    • Initial Monthly Repayment:
      £658.10 x 26
    • Ongoing Monthly Payments:
      £873.62 x 274
    • Total Amount Payable:
      £258,176.48
    • Total Interest Payable:
      £96,482.48
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
  • Yorkshire Bank's logo'

    Yorkshire Bank 2 Year Discounted Variable

    • Initial Rate
      1.74% Discounted Variable to 30/11/2022 (2.81% disc)
    • APRC
      4.20%
    • Product Fee
      £999
    • Monthly Repayment
      £658.10
    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £0
    • Max Loan:
      £750,000
    • Product Description:
      1.74% Discounted Variable to 30/11/2022 (2.81% disc)
    • Incentives:
      Free valuation fees Max £3M of Purchase Price Remortgages
      free legal fees Max £2M of Purchase Price Remortgages

    • Website:
    • Ongoing Monthly Payments:
      £658.10 x 26
    • Total Amount Payable:
      £257,676.48
    • Total Interest Payable:
      £96,482.48
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
  • Barclays Mortgage's logo'

    Barclays Mortgage 2 Year Variable

    • Cashback Available
    • Initial Rate
      1.75% Variable for 2 years
    • APRC
      3.40%
    • Product Fee
      £999
    • Monthly Repayment
      £658.86
    • Lender:
      Barclays Mortgage
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £5,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.75% Variable for 2 years
    • Incentives:
      Free valuation fees
      free legal feesRemortgages or £200 cashbackRemortgages

    • Website:
    • Initial Monthly Repayment:
      £658.86 x 24
    • Ongoing Monthly Payments:
      £797.10 x 276
    • Total Amount Payable:
      £236,891.24
    • Total Interest Payable:
      £75,812.24
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £80
    • Early Repayment Charge:
      No
  • Monmouthshire BS's logo'

    Monmouthshire BS 2 Year Discounted Variable

    • Initial Rate
      1.75% Discounted Variable (collared at 1.00%) for 2 years (2.99% disc)
    • APRC
      4.10%
    • Product Fee
      £499
    • Monthly Repayment
      £658.86
    • Lender:
      Monmouthshire BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £40,000
    • Max Loan:
      Varies
    • Product Description:
      1.75% Discounted Variable (collared at 1.00%) for 2 years (2.99% disc)
    • Incentives:
      Free valuation fees for properties valued Max £1M
      free legal fees

    • Ongoing Monthly Payments:
      £658.86 x 24
    • Total Amount Payable:
      £262,405.08
    • Total Interest Payable:
      £101,781.08
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £125
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 1% Sum Repaid
  • Lloyds Bank's logo'

    Lloyds Bank 5 Year Fixed

    • Cashback Available
    • Initial Rate
      1.77% Fixed to 30/11/2025
    • APRC
      3.10%
    • Product Fee
      £999
    • Monthly Repayment
      £660.39
    • Lender:
      Lloyds Bank
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £100,000
    • Max Loan:
      £249,999
    • Product Description:
      1.77% Fixed to 30/11/2025
    • Incentives:
      Free valuation fees
      free legal fees
      £200 cashback

    • Initial Monthly Repayment:
      £660.39 x 62
    • Ongoing Monthly Payments:
      £778.86 x 238
    • Total Amount Payable:
      £227,111.86
    • Total Interest Payable:
      £66,312.86
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/25: 5/4/3/2/1% Sum Repaid
  • Lloyds Bank's logo'

    Lloyds Bank 5 Year Fixed

    • Initial Rate
      1.77% Fixed to 30/11/2025
    • APRC
      3.10%
    • Product Fee
      £999
    • Monthly Repayment
      £660.39
    • Lender:
      Lloyds Bank
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £100,000
    • Max Loan:
      £249,999
    • Product Description:
      1.77% Fixed to 30/11/2025
    • Incentives:
      Free valuation fees
      free legal fees

    • Initial Monthly Repayment:
      £660.39 x 62
    • Ongoing Monthly Payments:
      £778.86 x 238
    • Total Amount Payable:
      £227,311.86
    • Total Interest Payable:
      £66,312.86
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/25: 5/4/3/2/1% Sum Repaid
  • Click here to see 1 similar product
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 2 Year Fixed

    • Initial Rate
      1.79% Fixed to 30/11/2022
    • APRC
      3.80%
    • Product Fee
      £1,495
    • Monthly Repayment
      £661.93
    • Lender:
      Yorkshire Building Society
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £50,000
    • Max Loan:
      Varies
    • Product Description:
      1.79% Fixed to 30/11/2022
    • Incentives:
    • Initial Monthly Repayment:
      £661.93 x 26
    • Ongoing Monthly Payments:
      £849.35 x 36
    • Total Amount Payable:
      £256,249.22
    • Total Interest Payable:
      £94,104.22
    • Valuation Fee:
      £160
    • Exit Admin Fee:
      £90
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/22: 2.5/1.5% Sum Repaid
Your home may be repossessed if you do not keep up repayments on your mortgage.

The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

Our mortgage comparison service is partnered with L&C Mortgages for selections made outside of our featured lenders. Featured lenders are firms with whom we have a direct commercial relationship.

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