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80% Loan to Value (LTV) Mortgages

There are a wide-range of 85% mortgages available with great interest rates for those with smaller deposits.

80 %

Repayment
Repay both the amount borrowed and the interest, so over time you pay back the loan.

Interest only
Only pay back the interest. That means lower monthly costs but your repayments alone will not pay back the loan.

Repayment
Repay both the amount borrowed and the interest, so over time you pay back the loan.

Interest only
Only pay back the interest. That means lower monthly costs but your repayments alone will not pay back the loan.

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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Stepped until 26/03/2017
Initial rate
0.49%then 4.54% (variable)
Fees
£1,259fees
Overall cost
4.5%APRC
Monthly cost
£566.78 for 6 months then £885.81 (variable)
for 294 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £265,086 includes: Loan amount (£160,000); Interest (£103,827); Application fee (£545); Valuation fee (£430); Legal fee (£154); Funds transfer fee (£30); Mortgage discharge fee (£75); Deeds release fee (£25); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 26/09/2018
Initial rate
1.24%then 5.29% (variable)
Fees
£1,484fees
Overall cost
4.7%APRC
Monthly cost
£620.54 for 24 months then £933.99 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £274,158 includes: Loan amount (£160,000); Interest (£112,674); Application fee (£999); Valuation fee (£230); Legal fee (£105); Funds transfer fee (£20); Mortgage discharge fee (£90); Deeds release fee (£40); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 26/09/2018
Initial rate
1.25%then 4.7% (variable)
Fees
£1,204fees
Overall cost
4.2%APRC
Monthly cost
£621.28 for 24 months then £883.93 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £260,079 includes: Loan amount (£160,000); Interest (£98,875); Application fee (£499); Valuation fee (£310); Legal fee (£250); Funds transfer fee (£15); Mortgage discharge fee (£100); Deeds release fee (£30); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 31/08/2018
Initial rate
1.4%then 5.99% (variable)
Fees
£1,738fees
Overall cost
5.3%APRC
Monthly cost
£632.41 for 24 months then £996.74 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No arrears
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/08/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £292,017 includes: Loan amount (£160,000); Interest (£130,279); Booking fee (£199); Valuation fee (£315); Legal fee (£299); Funds transfer fee (£0); Mortgage discharge fee (£125); Deeds release fee (£0); Application fee (£800); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.44%then 3.74% (variable)
Fees
£980fees
Overall cost
3.4%APRC
Monthly cost
£635.40 for 24 months then £806.86 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No repossessions
  • Available for existing borrowers switching deals only
  • Available for shared ownership
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,923 includes: Loan amount (£160,000); Interest (£77,943); Application fee (£499); Valuation fee (£240); Legal fee (£126); Funds transfer fee (£35); Mortgage discharge fee (£80); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 26/09/2018
Initial rate
1.48%then 3.74% (variable)
Fees
£1,114fees
Overall cost
3.4%APRC
Monthly cost
£638.40 for 24 months then £807.14 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No arrears
  • No repossessions
  • Available for existing borrowers switching deals only
  • Available for shared ownership
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £239,208 includes: Loan amount (£160,000); Interest (£78,094); Application fee (£999); Funds transfer fee (£35); Mortgage discharge fee (£80); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.48%then 4.24% (variable)
Fees
£2,338fees
Overall cost
3.8%APRC
Monthly cost
£638.40 for 24 months then £847.58 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £251,593 includes: Loan amount (£160,000); Interest (£89,255); Application fee (£1,495); Valuation fee (£360); Legal fee (£258); Funds transfer fee (£30); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 26/09/2018
Initial rate
1.49%then 3.74% (variable)
Fees
£1,259fees
Overall cost
3.4%APRC
Monthly cost
£639.15 for 24 months then £807.22 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Available for existing borrowers switching deals only
  • Available for shared ownership
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £239,390 includes: Loan amount (£160,000); Interest (£78,131); Application fee (£999); Valuation fee (£0); Legal fee (£175); Funds transfer fee (£20); Mortgage discharge fee (£65); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 26/09/2018
Initial rate
1.49%then 3.74% (variable)
Fees
£1,259fees
Overall cost
3.4%APRC
Monthly cost
£639.15 for 24 months then £807.22 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Available for existing borrowers switching deals only
  • Available for shared ownership
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 26/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £239,390 includes: Loan amount (£160,000); Interest (£78,131); Application fee (£999); Valuation fee (£0); Legal fee (£175); Funds transfer fee (£20); Mortgage discharge fee (£65); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
1.49%then 4.49% (variable)
Fees
£1,978fees
Overall cost
4.0%APRC
Monthly cost
£639.15 for 24 months then £868.29 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No arrears
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,965 includes: Loan amount (£160,000); Interest (£94,987); Booking fee (£90); Application fee (£1,499); Valuation fee (£229); Funds transfer fee (£0); Mortgage discharge fee (£106); Deeds release fee (£54); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.49%then 4.49% (variable)
Fees
£2,043fees
Overall cost
4.0%APRC
Monthly cost
£639.15 for 24 months then £868.29 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £257,030 includes: Loan amount (£160,000); Interest (£94,987); Booking fee (£150); Application fee (£1,349); Valuation fee (£295); Legal fee (£50); Funds transfer fee (£0); Mortgage discharge fee (£160); Deeds release fee (£39); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.49%then 4.49% (variable)
Fees
£2,043fees
Overall cost
4.0%APRC
Monthly cost
£639.15 for 24 months then £868.29 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £257,030 includes: Loan amount (£160,000); Interest (£94,987); Application fee (£1,499); Valuation fee (£295); Legal fee (£50); Funds transfer fee (£0); Mortgage discharge fee (£160); Deeds release fee (£39); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.49%then 5.54% (variable)
Fees
£1,453fees
Overall cost
4.9%APRC
Monthly cost
£639.15 for 24 months then £957.80 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £281,144 includes: Loan amount (£160,000); Interest (£119,692); Booking fee (£130); Application fee (£845); Valuation fee (£270); Legal fee (£118); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
1.5%then 5.44% (variable)
Fees
£1,758fees
Overall cost
4.8%APRC
Monthly cost
£639.90 for 24 months then £949.16 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £279,084 includes: Loan amount (£160,000); Interest (£117,326); Application fee (£999); Valuation fee (£405); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£199); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.5%then 5.44% (variable)
Fees
£2,258fees
Overall cost
4.8%APRC
Monthly cost
£639.90 for 24 months then £949.16 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 80 or younger at mortgage end
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £279,584 includes: Loan amount (£160,000); Interest (£117,326); Application fee (£1,499); Valuation fee (£405); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£199); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.53%then 4.74% (variable)
Fees
£1,452fees
Overall cost
4.3%APRC
Monthly cost
£642.16 for 24 months then £889.49 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Up to 85% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,364 includes: Loan amount (£160,000); Interest (£100,912); Booking fee (£130); Application fee (£845); Valuation fee (£270); Legal fee (£117); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 31/10/2018
Initial rate
1.54%then 3.74% (variable)
Fees
£1,745fees
Overall cost
3.4%APRC
Monthly cost
£642.91 for 24 months then £807.57 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • Available for existing customers only
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £240,064 includes: Loan amount (£160,000); Interest (£78,319); Application fee (£995); Valuation fee (£450); Funds transfer fee (£35); Mortgage discharge fee (£265); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 31/10/2018
Initial rate
1.54%then 3.74% (variable)
Fees
£1,745fees
Overall cost
3.4%APRC
Monthly cost
£642.91 for 24 months then £807.57 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £240,064 includes: Loan amount (£160,000); Interest (£78,319); Application fee (£995); Valuation fee (£450); Funds transfer fee (£35); Mortgage discharge fee (£265); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 31/10/2018
Initial rate
1.54%then 3.74% (variable)
Fees
£1,745fees
Overall cost
3.4%APRC
Monthly cost
£642.91 for 24 months then £807.57 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £240,064 includes: Loan amount (£160,000); Interest (£78,319); Application fee (£995); Valuation fee (£450); Funds transfer fee (£35); Mortgage discharge fee (£265); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.54%then 4.49% (variable)
Fees
£2,043fees
Overall cost
4.1%APRC
Monthly cost
£642.91 for 24 months then £868.67 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 85% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £257,225 includes: Loan amount (£160,000); Interest (£95,182); Application fee (£1,499); Valuation fee (£295); Legal fee (£50); Funds transfer fee (£0); Mortgage discharge fee (£160); Deeds release fee (£39); Fees are assumed to be paid up front and not included in the amount borrowed.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Frequently asked questions

80% LTV mortgage are on the higher end of the loan-to-value mortgage scale, but that are far more common than 95% or 100% LTV mortgages, but how do they work and what should you be aware of?

What is 80% loan-to-value

An 80% loan-to-value mortgage is one of the more common mortgages in the UK. The ‘80%’ bit refers to the ration between the amount to be borrowed (80%), and the total cost of the house (100%).

So if the house is worth £100,000, a deposit of £20,000 and a mortgage of £80,000, the LTV of the mortgage is 80%.

How can I tell the right LTV for me?

The right LTV for your needs depends on two things; how much you have for a deposit and how much you can afford on a monthly basis.

The monthly cost of the mortgage is made up of the total amount borrowed, the term, and the interest rate.

As a rule of thumb the interest rate will be higher with higher LTVs, so a 70% LTV mortgage will tend to have a lower interest rate than an 80% LTV mortgage because it’s riskier for the lender.

While increasing the term will lower the monthly repayments, it will also increase the overall cost of the mortgage as the interest is being charged for a longer time.

Before deciding on the size of your deposit you should also consider keeping some savings. Not only are there costs associated with a mortgage – lender’s fees, solicitor’s fees, and potentially stamp duty – but owning a house means you should have some savings to cover repairs.

Looking for a different LTV?

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