Mortgages.direct | 85% LTV Mortgages

Reason for mortgage

Property value

I want to borrow

This makes our LTV . Invalid LTV.

Mortgage term

Repayment type

Mortgage type

Initial period

Any duration
2 years
3 years
5 years
More than 5 years
10 years

Show me featured products first

Fixed Feb-2026 From AIB

Initial rate 2.18% Feb-2026

Maximum LTV 85%

Overall cost of comparison 3.3% APRC

See deal

Fees

Arrangement fee

No fee

Valuation fee

£200.00

Cashback

£2000.00

Additional information

None.

The total cost of a £170,000 mortgage over 25 years is £246,530, including £285 of fees. More information on this mortgage

Fixed Feb-2026 From AIB

Initial rate 2.18% Feb-2026

Maximum LTV 85%

Overall cost of comparison 3.3% APRC

See deal

Fees

Arrangement fee

No fee

Valuation fee

No fee

Cashback

£2000.00

Additional information

None.

The total cost of a £170,000 mortgage over 25 years is £246,330, including £85 of fees. More information on this mortgage

Fixed May-2023 From Leek United BS

Initial rate 2.60% May-2023

Maximum LTV 85%

Overall cost of comparison 5% APRC

See deal

Fees

Arrangement fee

£1495.00

Valuation fee

No fee

Cashback

No cashback

Additional information

None.

The total cost of a £170,000 mortgage over 25 years is £293,981, including £1,600 of fees. More information on this mortgage

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

See the next 3 mortgages

Mortgage details

Initial rate:

Initial rate period:

Overall cost for comparison:

Maximum loan to value:

Product fee:

To find out more, call on

Website:

Lines are open:

Mon: 8am - 8pm

Tue: 8am - 8pm

Wed: 8am - 8pm

Thu: 8am - 8pm

Fri: 8am - 8pm

Sat: 9am - 4pm

Sun: Closed

Calls may be recorded

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

This comparison simply includes all mortgage services

Please make sure you meet the following criteria:

Get A Great Mortgage Deal!

We are 100% independent. Find the best mortgage rates from UK lenders.

Name

Mortgage service you require

Phone

Property value

Amount to borrow

I accept Mortgages.direct Terms & Conditions and Privacy Policy. *

Mortgages Direct provides an independent mortgage quotes and advice service. When you submit this form you will be contacted by a regulated mortgage adviser to discuss your options.

How To Get A 85% LTV Mortgage

Not all lenders offer 85% loan to value (LTV) mortgages and those that do have set criteria to determine whether they are happy to lend on this basis.

The good news is that in recent years a number of lenders have relaxed their criteria for this type of lending. Things to be mindful of include:

Lenders will charge you a higher rate on interest on your mortgage if you have a 15% deposit. If you can get your deposit up to 20% this will help get the cost of borrowing down.

While most lenders will be happy to lend if you have a 15% deposit, their decision to lend will be based on affordability criteria so factors such as your income, previous credit record and the amount you wish to borrow.

Latest 85% LTV Mortgage offers:

Royal Bank of Scotland are currently offering £250 Cashback for first time buyers

RBS Mortgages offers 85% LTV mortgages purchasing a residential property. Call RBS FREE on 0800 096 7966 to discuss how you could buy your next home with a 15% deposit.

Require independent advice?

Click to call