95 Percent Mortgages
Featuring a Loan to Value (LTV) of 95% or above, 95% mortgages are ideal for people with limited savings. Compare the latest rates on low deposit mortgages from the UK’s leading lender below.
Popular Mortgages
95% mortgages
| Mortgage Type Buy to Let: For landlords purchasing a property for letting. | Initial Rate The introductory rate of interest that you will pay for a certain period of time depending on the mortgage type and term. | Initial Term The length of time that the initial interest rate applies to the mortgage. | Final Rate Also referred to as Subsequent Rate - the interest rate that your mortgage will revert to after any introductory rates have finished. | Cost For Comparison This is the mortgage’s Annual Percentage Rate (APR): the interest rate that you will be charged on your mortgage including all charges such as arrangement fees. | Loan to value The percentage of a property’s value for which the mortgage can be used. | Fee to Apply This is the fee that must be paid to the lender when you take out the mortgage. It can be applied to the loan or paid separately. | |||||||||||||
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![]() | NatWest 2yr 4.49% Fxd LTV 95% Direct NewBuy scheme + More Details | Fixed | 4.49% | 31/10/2015 | 4.00% | 4.20% | 95% | No Fee | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 | ||||||||||
![]() | NatWest 5yr 4.79% Fxd LTV 95% Direct NewBuy Scheme + More Details | Fixed | 4.79% | 31/10/2018 | 4.00% | 4.50% | 95% | No Fee | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 | ||||||||||
![]() | NatWest 2yr 5.49% Fxd LTV 100% Ex/B Direct + More Details | Fixed | 5.49% | 31/10/2015 | 4.00% | Pending | 100% | £995 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 | ||||||||||
![]() | Royal Bank of Scotland 2yr 5.49% Fxd LTV 100% Ex/B Direct + More Details | Fixed | 5.49% | 31/10/2015 | 4.00% | Pending | 100% | £995 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 | ||||||||||
![]() | BM Solutions 3yr 5.59% Fixed BBR LTV 95% Ex/B + More Details | Fixed | 5.59% | 31/08/2016 | 4.84% | 5.20% | 95% | £1500 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
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![]() | NatWest 2yr 5.79% Fxd LTV 100% Ex/B Direct No Fee + More Details | Fixed | 5.79% | 31/10/2015 | 4.00% | Pending | 100% | No Fee | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 | ||||||||||
![]() | Royal Bank of Scotland 2yr 5.79% Fxd LTV 100% Ex/B Direct No Fee + More Details | Fixed | 5.79% | 31/10/2015 | 4.00% | Pending | 100% | No Fee | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 | ||||||||||
![]() | BM Solutions 4yr 5.89% Fixed BBR LTV 95% Ex/B + More Details | Fixed | 5.89% | 31/08/2017 | 4.84% | 5.30% | 95% | £1500 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
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![]() | Saffron Building Society 3yr 5.99% Fixed FTB LTV 95% + More Details | Fixed | 5.99% | 31/08/2016 | 5.39% | 5.70% | 95% | £495 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
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![]() | Saffron Building Society 3yr 5.99% Fixed H/P LTV 95% + More Details | Fixed | 5.99% | 31/08/2016 | 5.39% | 5.70% | 95% | £495 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
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| YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. | |||||||||||||||||||
95% mortgages explained
Houses rarely come cheap. In fact, trying to find a deposit of 20 per cent or more in order buy one will seem like a mountain to climb for many first time buyers.
And alas! most deals on the mortgage market will demand that and more.
But having come under pressure to help more young people get on to that first rung of the property ladder, the banks have begun to periodically introduce 95 per cent loan-to value ratio (or LTV) offers.
This means you'll need to put up only five per cent of the cost of the house as a deposit upfront. Suddenly, the idea of your own bricks and mortar might not seem so farfetched.
You might face a higher interest rate, since you will be seen to be at a higher risk of defaulting, but when there are so many other costs involved in buying your own home and that six figure salary hasn't yet materialised in your young career, you might consider this to be a price worth paying to get your name on the deeds.
With some 95 per cent mortgages, the bank will offer you the opportunity to use the backing of a guarantor - such as a parent, grandparent or even, in some cases, the government - who will be liable to meet your monthly repayment if you can't. This could also bring your interest rate down a touch.
Read Know Your Money's guide to getting on the property ladder.
Products by merchant
BM Solutions Mortgages
Buckinghamshire Building Society Mortgages
Chelsea Building Society Mortgages
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HSBC Mortgages
Kensington Mortgages
Kent Reliance Mortgages
NatWest Mortgages
Post Office Mortgages
RBS Mortgages
Saffron Building Society Mortgages
Santander Mortgages
The Mortgage Works Mortgages
Virgin Money Mortgages
Yorkshire Building Society Mortgages
Mortgages Guides
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- What happens when your house is undervalued?
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