80 20 mortgages, and why they might be the right loan for you. Choosing the right loan or mortgage is a challenge. You can feel like you are walking through a minefield in enemy territory when all the choices are thrown at you and you are none the wiser which is your best line of action. If that is how you feel, don’t worry you just need to invest some time in understanding your options. There are many free resources online that will help you understand every facet of the process of acquiring the right loan for you. In this article we will be looking at a certain type of loan, the 80 20 mortgage home loan. 80 20 mortgage home loans are mortgages where the bank or the lending company provide 80 % of the value of the house.There are two key points to look at if you are to choose 80 20 mortgages.