Compare 85% LTV Mortgages

  • If you want to put down a deposit of 15% on a property purchase then you will need a mortgage with a loan-to-value (LTV) of 85%.
  • Below you can compare the latest interest rates on 85% LTV mortgages from some of the UK's leading mortgage lenders.

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  • Cumberland BS's logo'

    Cumberland BS 2 Year Discounted Variable

    • Initial Rate
      1.91% Discounted Variable for 2 years (2.18% disc)
    • APRC
      3.90%
    • Product Fee
      £1,999
    • Monthly Repayment
      £891.41
    • Lender:
      Cumberland BS
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £200,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.91% Discounted Variable for 2 years (2.18% disc)
    • Incentives:
      Free valuation fees
      free legal fees Remortgages

    • Ongoing Monthly Payments:
      £891.41 x 24
    • Total Amount Payable:
      £330,885.40
    • Total Interest Payable:
      £116,236.40
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £150
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 1/0.5% Sum Repaid
  • Cumberland BS's logo'

    Cumberland BS 2 Year Discounted Variable

    • Initial Rate
      1.99% Discounted Variable for 2 years (2.10% disc)
    • APRC
      3.90%
    • Product Fee
      £999
    • Monthly Repayment
      £899.66
    • Lender:
      Cumberland BS
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £50,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.99% Discounted Variable for 2 years (2.10% disc)
    • Incentives:
      Free valuation fees
      free legal fees Remortgages

    • Ongoing Monthly Payments:
      £899.66 x 24
    • Total Amount Payable:
      £330,290.40
    • Total Interest Payable:
      £116,641.40
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £150
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 1/0.5% Sum Repaid
  • Cumberland BS's logo'

    Cumberland BS 2 Year Fixed

    • Initial Rate
      2.06% Fixed to 01/10/2022
    • APRC
      3.90%
    • Product Fee
      £1,999
    • Monthly Repayment
      £906.91
    • Lender:
      Cumberland BS
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £200,000
    • Max Loan:
      £500,000
    • Product Description:
      2.06% Fixed to 01/10/2022
    • Incentives:
      Free valuation fees
      free legal fees Remortgages

    • Initial Monthly Repayment:
      £906.91 x 24
    • Ongoing Monthly Payments:
      £1,114.97 x 276
    • Total Amount Payable:
      £331,646.56
    • Total Interest Payable:
      £116,997.56
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £150
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/10/22: 2/1% Sum Repaid
  • Cumberland BS's logo'

    Cumberland BS 2 Year Discounted Variable

    • Initial Rate
      2.09% Discounted Variable for 2 years (2.00% disc)
    • APRC
      3.90%
    • Product Fee
      £999
    • Monthly Repayment
      £910.03
    • Lender:
      Cumberland BS
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £50,000
    • Max Loan:
      £2,000,000
    • Product Description:
      2.09% Discounted Variable for 2 years (2.00% disc)
    • Incentives:
      Free valuation fees
      free legal fees Remortgages

    • Ongoing Monthly Payments:
      £910.03 x 24
    • Total Amount Payable:
      £330,798.72
    • Total Interest Payable:
      £117,149.72
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £150
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 1/0.5% Sum Repaid
  • Cumberland BS's logo'

    Cumberland BS 2 Year Discounted Variable

    • Initial Rate
      2.09% Discounted Variable for 2 years (2.00% disc)
    • APRC
      3.90%
    • Product Fee
      £999
    • Monthly Repayment
      £910.03
    • Lender:
      Cumberland BS
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £20,000
    • Max Loan:
      £2,000,000
    • Product Description:
      2.09% Discounted Variable for 2 years (2.00% disc)
    • Incentives:
      Free valuation fees
      free legal fees Remortgages

    • Ongoing Monthly Payments:
      £910.03 x 24
    • Total Amount Payable:
      £330,798.72
    • Total Interest Payable:
      £117,149.72
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £150
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st yr: 1% Sum Repaid
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  • Barclays Mortgage's logo'

    Barclays Mortgage 2 Year Fixed

    • Cashback Available
    • Initial Rate
      2.10% Fixed to 31/10/2022
    • APRC
      3.50%
    • Product Fee
      £999
    • Monthly Repayment
      £911.07
    • Lender:
      Barclays Mortgage
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £5,000
    • Max Loan:
      £2,000,000
    • Product Description:
      2.10% Fixed to 31/10/2022
    • Incentives:
      Free valuation fees Remortgages
      free valuation fees for properties valued Max £2M House Purchase,First Time Buyers
      free legal feesRemortgages or £250 cashbackRemortgages

    • Website:
    • Initial Monthly Repayment:
      £911.07 x 25
    • Ongoing Monthly Payments:
      £1,061.27 x 275
    • Total Amount Payable:
      £315,705
    • Total Interest Payable:
      £102,126
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £80
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/10/22: 2% Sum Repaid
  • Cumberland BS's logo'

    Cumberland BS 2 Year Fixed

    • Initial Rate
      2.14% Fixed to 01/10/2022
    • APRC
      3.90%
    • Product Fee
      £999
    • Monthly Repayment
      £915.24
    • Lender:
      Cumberland BS
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £20,000
    • Max Loan:
      £500,000
    • Product Description:
      2.14% Fixed to 01/10/2022
    • Incentives:
      Free valuation fees
      free legal fees Remortgages

    • Initial Monthly Repayment:
      £915.24 x 24
    • Ongoing Monthly Payments:
      £1,115.71 x 276
    • Total Amount Payable:
      £331,050.72
    • Total Interest Payable:
      £117,401.72
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £150
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/10/22: 2/1% Sum Repaid
  • Clydesdale Bank's logo'

    Clydesdale Bank 2 Year Fixed

    • Initial Rate
      2.19% Fixed to 30/11/2022
    • APRC
      4.30%
    • Product Fee
      £999
    • Monthly Repayment
      £920.48
    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £0
    • Max Loan:
      £750,000
    • Product Description:
      2.19% Fixed to 30/11/2022
    • Incentives:
      Free valuation fees Max £3M of Purchase Price Remortgages
      free legal fees Remortgages

    • Website:
    • Initial Monthly Repayment:
      £920.48 x 26
    • Ongoing Monthly Payments:
      £1,165.05 x 274
    • Total Amount Payable:
      £344,350.18
    • Total Interest Payable:
      £130,656.18
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
  • Cumberland BS's logo'

    Cumberland BS 2 Year Discounted Variable

    • Initial Rate
      2.19% Discounted Variable for 2 years (1.90% disc)
    • APRC
      3.90%
    • Product Fee
      £999
    • Monthly Repayment
      £920.48
    • Lender:
      Cumberland BS
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £50,000
    • Max Loan:
      £2,000,000
    • Product Description:
      2.19% Discounted Variable for 2 years (1.90% disc)
    • Incentives:
      Free valuation fees
      free legal fees Remortgages

    • Ongoing Monthly Payments:
      £920.48 x 24
    • Total Amount Payable:
      £331,303.44
    • Total Interest Payable:
      £117,654.44
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £150
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st yr: 1% Sum Repaid
  • Yorkshire Bank's logo'

    Yorkshire Bank 2 Year Fixed

    • Initial Rate
      2.19% Fixed to 30/11/2022
    • APRC
      4.30%
    • Product Fee
      £999
    • Monthly Repayment
      £920.48
    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £0
    • Max Loan:
      £750,000
    • Product Description:
      2.19% 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:
      £920.48 x 26
    • Ongoing Monthly Payments:
      £1,165.05 x 274
    • Total Amount Payable:
      £344,350.18
    • Total Interest Payable:
      £130,656.18
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 2 Year Fixed

    • Initial Rate
      2.20% Fixed to 30/11/2022
    • APRC
      3.90%
    • Product Fee
      £1,495
    • Monthly Repayment
      £921.52
    • Lender:
      Yorkshire Building Society
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £50,000
    • Max Loan:
      Varies
    • Product Description:
      2.20% Fixed to 30/11/2022
    • Incentives:
    • Initial Monthly Repayment:
      £921.52 x 26
    • Ongoing Monthly Payments:
      £1,158.54 x 274
    • Total Amount Payable:
      £343,564.48
    • Total Interest Payable:
      £128,899.48
    • Valuation Fee:
      £180
    • Exit Admin Fee:
      £90
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/22: 2.5/1.5% Sum Repaid
  • Cumberland BS's logo'

    Cumberland BS 2 Year Fixed

    • Initial Rate
      2.24% Fixed to 01/10/2022
    • APRC
      3.90%
    • Product Fee
      £1,249
    • Monthly Repayment
      £925.73
    • Lender:
      Cumberland BS
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £50,000
    • Max Loan:
      £500,000
    • Product Description:
      2.24% Fixed to 01/10/2022
    • Incentives:
      Free valuation fees
      free legal fees Remortgages

    • Initial Monthly Repayment:
      £925.73 x 24
    • Ongoing Monthly Payments:
      £1,116.63 x 276
    • Total Amount Payable:
      £331,806.40
    • Total Interest Payable:
      £117,907.40
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £150
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/10/22: 2/1% Sum Repaid
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Initial Rate
      2.24% Fixed to 31/12/2022
    • APRC
      3.40%
    • Product Fee
      £995
    • Monthly Repayment
      £925.73
    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £25,000
    • Max Loan:
      £1,000,000
    • Product Description:
      2.24% Fixed to 31/12/2022
    • Incentives:
      Free valuation fees
      free legal fees
      free valuation admin fees

    • Initial Monthly Repayment:
      £925.73 x 27
    • Ongoing Monthly Payments:
      £1,061.62 x 273
    • Total Amount Payable:
      £315,811.97
    • Total Interest Payable:
      £102,316.97
    • 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
      2.24% Fixed to 31/12/2022
    • APRC
      3.40%
    • Product Fee
      £995
    • Monthly Repayment
      £925.73
    • Lender:
      Royal Bank of Scotland
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £25,000
    • Max Loan:
      £1,000,000
    • Product Description:
      2.24% Fixed to 31/12/2022
    • Incentives:
      Free valuation fees
      free legal fees
      free valuation admin fees

    • Initial Monthly Repayment:
      £925.73 x 27
    • Ongoing Monthly Payments:
      £1,061.62 x 273
    • Total Amount Payable:
      £315,811.97
    • Total Interest Payable:
      £102,316.97
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/12/22: 2/1% Sum Repaid
  • first direct's logo'

    first direct 2 Year Fixed

    • Initial Rate
      2.29% Fixed for 2 years
    • APRC
      3.40%
    • Product Fee
      £490
    • Monthly Repayment
      £930.99
    • Lender:
      first direct
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £10,000
    • Max Loan:
      £400,000
    • Product Description:
      2.29% Fixed for 2 years
    • Incentives:
      Free valuation fees
      free legal fees Remortgages

    • Initial Monthly Repayment:
      £930.99 x 24
    • Ongoing Monthly Payments:
      £1,058.17 x 276
    • Total Amount Payable:
      £314,888.68
    • Total Interest Payable:
      £101,898.68
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Mortgage Advance
  • Virgin Money's logo'

    Virgin Money 2 Year Fixed

    • Cashback Available
    • Initial Rate
      2.29% Fixed to 01/01/2023
    • APRC
      3.90%
    • Product Fee
      £995
    • Monthly Repayment
      £930.99
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      2.29% Fixed to 01/01/2023
    • Incentives:
      Free valuation fees
      £250 cashback

    • Initial Monthly Repayment:
      £930.99 x 27
    • Ongoing Monthly Payments:
      £1,142.26 x 57
    • Total Amount Payable:
      £333,749.75
    • Total Interest Payable:
      £119,654.75
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/1/23: 1.5% Outstanding Balance
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.

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