85% LTV | 15% Deposit Mortgages From 2.12% Fixed | moneyfacts.co.uk
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85% LTV Moving Home Mortgages

Compare the best 85% LTV moving home mortgages.

The mortgages below show the best mortgage rates available for those who are moving home and are looking for an 85% LTV mortgage deal. You can personalise the chart below by adding the value of the property you want to buy and the value of the mortgage you want to get.
If you're not moving home you can also search for remortgages and first-time buyer mortgages.

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Compare Loan To Value (LTV)

Best 85% LTV Mortgage Rates

Best 85% LTV Mortgage Rates

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  • NatWest Fixed
    Rate
    2.89%
    2.89% Fixed to 31/03/2023
    reverting to 3.59%
    APRC
    3.6%
    Max LTV
    85%
    Product Fees
    £995.00
    Initial Payment
    £1,021.35
    Total Over
    Go To Provider's Site
  • Royal Bank of Scotland Fixed
    Rate
    2.89%
    2.89% Fixed to 31/03/2023
    reverting to 3.59%
    APRC
    3.6%
    Max LTV
    85%
    Product Fees
    £995.00
    Initial Payment
    £1,021.35
    Total Over
    Go To Provider's Site
  • NatWest Fixed
    Rate
    2.99%
    2.99% Fixed to 31/03/2026
    reverting to 3.59%
    APRC
    3.5%
    Max LTV
    85%
    Product Fees
    £995.00
    Initial Payment
    £1,032.65
    Total Over
    Go To Provider's Site
  • Royal Bank of Scotland Fixed
    Rate
    2.99%
    2.99% Fixed to 31/03/2026
    reverting to 3.59%
    APRC
    3.5%
    Max LTV
    85%
    Product Fees
    £995.00
    Initial Payment
    £1,032.65
    Total Over
    Go To Provider's Site
  • Virgin Money Fixed
    Rate
    2.99%
    2.99% Fixed to 01/03/2023
    reverting to 4.34%
    APRC
    4.1%
    Max LTV
    85%
    Product Fees
    £995.00
    Initial Payment
    £1,032.65
    Total Over
    Go To Provider's Site
  • NatWest Fixed
    Rate
    3.09%
    3.09% Fixed to 31/03/2023
    reverting to 3.59%
    APRC
    3.6%
    Max LTV
    85%
    Product Fees
    £995.00
    Initial Payment
    £1,044.01
    Total Over
    Go To Provider's Site
  • Royal Bank of Scotland Fixed
    Rate
    3.09%
    3.09% Fixed to 31/03/2023
    reverting to 3.59%
    APRC
    3.6%
    Max LTV
    85%
    Product Fees
    £995.00
    Initial Payment
    £1,044.01
    Total Over
    Go To Provider's Site
  • NatWest Fixed
    Rate
    3.24%
    3.24% Fixed to 31/03/2023
    reverting to 3.59%
    APRC
    3.6%
    Max LTV
    85%
    Product Fees
    £0.00
    Initial Payment
    £1,061.20
    Total Over
    Go To Provider's Site
  • Royal Bank of Scotland Fixed
    Rate
    3.24%
    3.24% Fixed to 31/03/2023
    reverting to 3.59%
    APRC
    3.6%
    Max LTV
    85%
    Product Fees
    £0.00
    Initial Payment
    £1,061.20
    Total Over
    Go To Provider's Site
  • Virgin Money Fixed
    Rate
    3.24%
    3.24% Fixed to 01/03/2026
    reverting to 4.34%
    APRC
    3.9%
    Max LTV
    85%
    Product Fees
    £995.00
    Initial Payment
    £1,061.20
    Total Over
    Go To Provider's Site
Representative Example
Note

Mortgage Advice Bureau offers fee free mortgage advice for Moneyfacts visitors that call on 0808 149 9177 or email moneyfacts@mab.org.uk. If you contact Mortgage Advice Bureau outside of these channels you may incur a fee of up to 1%.

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.

Quick Links

Quick links are where we have an arrangement with a provider so you can move directly from our site to theirs to view more information and apply for a product. We also use quick links where we have an arrangement with a preferred broker to move you directly to their site. Depending on the arrangement we may receive a modest commission either when you press a 'Go to Provider' or 'Speak to a Broker' button, when you call an advertised number or when you complete an application.

85% LTV mortgages explained

At a glance

  • 85% LTV mortgages are available if you have a 15% deposit or 15% equity in your current home.
  • The best fixed rate mortgage deals for 85% LTV mortgages are typically lower than those available for 90% or 95% LTV mortgages.
  • 85% LTV is a popular option for those looking to remortgage, move to a larger property or those who have seen their current LTV improve from higher levels.

Choosing the best 85% LTV Mortgage

Looking to compare the best mortgage with a 15% deposit? It's important to not go on rate alone. Take a number of additional factors into account including any initial fees or charges that need to be paid, any flexible features and whether there are any incentives included too. View today's best rates above.

The advantages of a 85% LTV mortgage

Lower interest rates. Because you're putting up a reasonable amount of money, interest rates for 85% LTV mortgages are lower than those with higher LTV.

New build availability. Lenders typically require at least an 85% LTV for new build properties, so you'll be able to consider these properties if you have a 15% deposit or equity available.

The disadvantages of a 85% LTV mortgage

The potential to cost you more. Be sure to calculate your LTV - a greater deposit reduces your LTV and as a result can often reduce your initial mortgage rate. LTVs tend to work in multiple of 5 or 10, so if you already have the 20% deposit/equity 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.

Check your credit score

Before you apply for a mortgage it's important to check your credit score.

Compare 85% LTV Mortgages

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