What are 80% LTV Mortgages?

With an 80% loan to value (LTV) mortgage, you’ll own 20% of the value of your home. Available in a range of mortgage types, often the rates at 80% LTV are better than those offered at higher LTVs. Compare today's best rates below or read our guide to 80% LTV mortgages to learn more. 

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NatWest Logo
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Post Office Money® Logo
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Post Office Money® Logo
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APRC
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Go To Provider's Site
Maximum Loan to Value
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Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
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Maximum Age
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Underpayments
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NatWest Logo
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APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Go To Provider's Site
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
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Royal Bank of Scotland Logo
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APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Go To Provider's Site
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
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Leeds BS Logo
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APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Go To Provider's Site
Maximum Loan to Value
Charges and Fees
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Incentives
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Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
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Available To

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Underpayments
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Nationwide BS Logo
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APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Go To Provider's Site
Maximum Loan to Value
Charges and Fees
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Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

first direct Logo
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%

APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Go To Provider's Site
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Leeds BS Logo
Rate
%

APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Go To Provider's Site
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Representative Example

Disclaimer

Credit will be secured by a mortgage on your property. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Written quotations are available from individual lenders. Loans are subject to status and valuation and are not available to persons under the age of 18. All rates are subject to change without notice. Please check all rates and terms with your lender or financial adviser before undertaking any borrowing.

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How our 80% LTV mortgage comparison chart works

At a glance

  • The LTV is the percentage of the amount you wish to borrow versus the value of the property. For example, if you want to buy a house worth £200,000 with a 80% LTV mortgage then you could borrow a maximum of £160,000 and would need a minimum deposit or equity of £40,000.
  • Borrowers with a 20% deposit or 20% equity in a current property are able to apply for an 80% LTV mortgages.
  • Mortgages displayed cover all the major types, e.g. fixed, variable and tracker.
  • You’ll usually find better deals with an 80% LTV mortgage than those with higher LTVs, such as 85%, 90% or 95%.

Advantages of 80% LTV mortgages

80% LTV mortgages are generally cheaper than 85% or 90% alternatives, and almost certainly a better deal than first time buyer mortgages. 80% LTV mortgages are available as both fixed or variable products. 

Disadvantages of 80% LTV mortgages

A disadvantage with 80% LTV mortgage deals is that if you stick with them for too long, you may be overpaying as you could qualify for a 75% or even 70% LTV mortgage (provided you’re on a repayment deal). Also, LTVs tend to work in multiple of 5 or 10, so if you already have the 20% deposit you need to apply for an 80% LTV mortgage, you may want to consider waiting and increasing your deposit to 25% to access a lower rate mortgage.

Should I use a mortgage broker?

If you’re still not sure what kind of mortgage is right for you, you could consider using a mortgage broker. Not only can they provide valuable advice, but they may also have access to 80% LTV mortgage deals that are not available directly on the Moneyfacts charts.

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