95% Mortgages

  • If you have limited financial resources at your disposal for a deposit a 95% loan-to-value (LTV) mortgage could be an option.
  • See if these products suit your personal circumstances by comparing the latest interest rates and other key features of 95% LTV mortgages below.
  • You can compare the latest rates and other vital information on 95% mortgages in the table below.

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The following results are based on a loan to value (LTV) of 95%
  • Halifax
  • Mortgage Type
    fixed
  • Initial Rate
    3.34%
    Fixed to 31/03/2019
  • APRC
    3.80%
  • Monthly Payment
    £701.22
  • ERC
    Yes
  • Fees
    £1,314
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.34% Fixed to 31/03/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £701.22 x 26
    • Ongoing Monthly Payments:
      £729.57 x 274
    • Total Amount Payable:
      £219,947.90
    • Total Interest Payable:
      £75,633.90
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £315
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 3/2% Mortgage Advance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 26 months at 3.34% and then reverting to our variable rate of 3.74% variable for remaining term. 26 monthly payments of £701.22 and 274 monthly payments of £729.57. The total amount payable would be £219,497.90 made up of the loan amount plus interest £75,633.90 and a product fee £999 and valuation fee £315. The overall cost for comparison is 3.80% APRC representative.

  • Halifax
  • Mortgage Type
    fixed
  • Initial Rate
    3.39%
    Fixed to 31/03/2019
  • APRC
    3.80%
  • Monthly Payment
    £705.01
  • ERC
    Yes
  • Fees
    £1,314
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.39% Fixed to 31/03/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £705.01 x 26
    • Ongoing Monthly Payments:
      £729.86 x 274
    • Total Amount Payable:
      £220,125.90
    • Total Interest Payable:
      £75,811.90
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £315
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 3/2% Mortgage Advance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 26 months at 3.39% and then reverting to our variable rate of 3.74% variable for remaining term. 26 monthly payments of £705.01 and 274 monthly payments of £729.86. The total amount payable would be £219,675.90 made up of the loan amount plus interest £75,811.90 and a product fee £999 and valuation fee £315. The overall cost for comparison is 3.80% APRC representative.

  • Nationwide BS
  • Mortgage Type
    tracker
  • Initial Rate
    3.59%
    Variable for 2 years
  • APRC
    3.80%
  • Monthly Payment
    £720.29
  • ERC
    No
  • Fees
    £999
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      3.59% Variable for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £720.29 x 24
    • Ongoing Monthly Payments:
      £731.08 x 276
    • Total Amount Payable:
      £220,564
    • Total Interest Payable:
      £76,565.04
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a tracker rate for 24 months at 3.59% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £720.29 and 276 monthly payments of £731.08. The total amount payable would be £220,114 made up of the loan amount plus interest £76,565.04 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.80% APRC representative.

  • Nationwide BS
  • Mortgage Type
    tracker
  • Initial Rate
    3.59%
    Variable for 2 years
  • APRC
    3.80%
  • Monthly Payment
    £720.29
  • ERC
    No
  • Fees
    £999
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      3.59% Variable for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £720.29 x 24
    • Ongoing Monthly Payments:
      £731.08 x 276
    • Total Amount Payable:
      £220,064
    • Total Interest Payable:
      £76,565.04
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a tracker rate for 24 months at 3.59% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £720.29 and 276 monthly payments of £731.08. The total amount payable would be £220,114 made up of the loan amount plus interest £76,565.04 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.80% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    3.69%
    Fixed for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £727.99
  • ERC
    Yes
  • Fees
    £999
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £250,000
    • Product Description:
      3.69% Fixed for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £727.99 x 24
    • Ongoing Monthly Payments:
      £731.60 x 276
    • Total Amount Payable:
      £220,892.40
    • Total Interest Payable:
      £76,893.36
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2/1% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 24 months at 3.69% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £727.99 and 276 monthly payments of £731.60. The total amount payable would be £220,442.40 made up of the loan amount plus interest £76,893.36 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    3.69%
    Fixed for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £727.99
  • ERC
    Yes
  • Fees
    £999
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £250,000
    • Product Description:
      3.69% Fixed for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £727.99 x 24
    • Ongoing Monthly Payments:
      £731.60 x 276
    • Total Amount Payable:
      £220,392.40
    • Total Interest Payable:
      £76,893.36
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2/1% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 24 months at 3.69% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £727.99 and 276 monthly payments of £731.60. The total amount payable would be £220,442.40 made up of the loan amount plus interest £76,893.36 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • NatWest
  • Mortgage Type
    fixed
  • Initial Rate
    3.69%
    Fixed to 30/04/2019
  • APRC
    3.80%
  • Monthly Payment
    £727.99
  • ERC
    Yes
  • Fees
    £248
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £570,000
    • Product Description:
      3.69% Fixed to 30/04/2019
    • Incentives:
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £727.99 x 27
    • Ongoing Monthly Payments:
      £732.29 x 273
    • Total Amount Payable:
      £220,318.90
    • Total Interest Payable:
      £77,070.90
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      £248
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 27 months at 3.69% and then reverting to our variable rate of 3.75% variable for remaining term. 27 monthly payments of £727.99 and 273 monthly payments of £732.29. The total amount payable would be £219,868.90 made up of the loan amount plus interest £77,070.90 and a product fee £0 and valuation fee £248. The overall cost for comparison is 3.80% APRC representative.

  • Royal Bank of Scotland
  • Mortgage Type
    fixed
  • Initial Rate
    3.69%
    Fixed to 30/04/2019
  • APRC
    3.80%
  • Monthly Payment
    £727.99
  • ERC
    Yes
  • Fees
    £248
  • Max LTV
    95%
  • + Product Details
    • Summary

    • Lender:
      Royal Bank of Scotland
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £570,000
    • Product Description:
      3.69% Fixed to 30/04/2019
    • Incentives:
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £727.99 x 27
    • Ongoing Monthly Payments:
      £732.29 x 273
    • Total Amount Payable:
      £220,318.90
    • Total Interest Payable:
      £77,070.90
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      £248
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 27 months at 3.69% and then reverting to our variable rate of 3.75% variable for remaining term. 27 monthly payments of £727.99 and 273 monthly payments of £732.29. The total amount payable would be £219,868.90 made up of the loan amount plus interest £77,070.90 and a product fee £0 and valuation fee £248. The overall cost for comparison is 3.80% APRC representative.

  • Halifax
  • Mortgage Type
    fixed
  • Initial Rate
    3.74%
    Fixed to 31/03/2019
  • APRC
    3.80%
  • Monthly Payment
    £731.86
  • ERC
    Yes
  • Fees
    £315
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.74% Fixed to 31/03/2019
    • Incentives:
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £731.86 x 26
    • Ongoing Monthly Payments:
      £731.86 x 274
    • Total Amount Payable:
      £220,373
    • Total Interest Payable:
      £77,058
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      £315
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 3/2% Mortgage Advance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 26 months at 3.74% and then reverting to our variable rate of 3.74% variable for remaining term. 26 monthly payments of £731.86 and 274 monthly payments of £731.86. The total amount payable would be £219,923 made up of the loan amount plus interest £77,058 and a product fee £0 and valuation fee £315. The overall cost for comparison is 3.80% APRC representative.

  • Halifax
  • Mortgage Type
    fixed
  • Initial Rate
    3.74%
    Fixed to 28/02/2019
  • APRC
    3.90%
  • Monthly Payment
    £731.86
  • ERC
    Yes
  • Fees
    £1,105
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.74% Fixed to 28/02/2019
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £731.86 x 25
    • Ongoing Monthly Payments:
      £731.86 x 275
    • Total Amount Payable:
      £220,663
    • Total Interest Payable:
      £77,058
    • Fees

    • Product Fee:
      £790
    • Valuation Fee:
      £315
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 28/2/19: 3/2% Mortgage Advance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 25 months at 3.74% and then reverting to our variable rate of 3.74% variable for remaining term. 25 monthly payments of £731.86 and 275 monthly payments of £731.86. The total amount payable would be £220,713 made up of the loan amount plus interest £77,058 and a product fee £790 and valuation fee £315. The overall cost for comparison is 3.90% APRC representative.

  • Halifax
  • Mortgage Type
    fixed
  • Initial Rate
    3.74%
    Fixed to 28/02/2019
  • APRC
    3.90%
  • Monthly Payment
    £731.86
  • ERC
    Yes
  • Fees
    £1,105
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.74% Fixed to 28/02/2019
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £731.86 x 25
    • Ongoing Monthly Payments:
      £731.86 x 275
    • Total Amount Payable:
      £220,663
    • Total Interest Payable:
      £77,058
    • Fees

    • Product Fee:
      £790
    • Valuation Fee:
      £315
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 28/2/19: 3/2% Mortgage Advance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 25 months at 3.74% and then reverting to our variable rate of 3.74% variable for remaining term. 25 monthly payments of £731.86 and 275 monthly payments of £731.86. The total amount payable would be £220,713 made up of the loan amount plus interest £77,058 and a product fee £790 and valuation fee £315. The overall cost for comparison is 3.90% APRC representative.

  • Halifax
  • Mortgage Type
    fixed
  • Initial Rate
    3.79%
    Fixed to 31/03/2019
  • APRC
    3.80%
  • Monthly Payment
    £735.74
  • ERC
    Yes
  • Fees
    £315
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.79% Fixed to 31/03/2019
    • Incentives:
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £735.74 x 26
    • Ongoing Monthly Payments:
      £732.14 x 274
    • Total Amount Payable:
      £220,550.60
    • Total Interest Payable:
      £77,235.60
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      £315
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 3/2% Mortgage Advance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 26 months at 3.79% and then reverting to our variable rate of 3.74% variable for remaining term. 26 monthly payments of £735.74 and 274 monthly payments of £732.14. The total amount payable would be £220,100.60 made up of the loan amount plus interest £77,235.60 and a product fee £0 and valuation fee £315. The overall cost for comparison is 3.80% APRC representative.

  • Clydesdale Bank
  • Mortgage Type
    fixed
  • Initial Rate
    3.89%
    Fixed to 31/03/2020
  • APRC
    4.60%
  • Monthly Payment
    £743.54
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.89% Fixed to 31/03/2020
    • Incentives:
      Free valuation fees
      No arrangement fees
      £250 cashback On Completion Min £75K of Mortgage Advance
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £743.54 x 38
    • Ongoing Monthly Payments:
      £801.37 x 262
    • Total Amount Payable:
      £238,658.50
    • Total Interest Payable:
      £95,713.46
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 6/5/4% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 38 months at 3.89% and then reverting to our variable rate of 4.70% variable for remaining term. 38 monthly payments of £743.54 and 262 monthly payments of £801.37. The total amount payable would be £238,458.50 made up of the loan amount plus interest £95,713.46 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.60% APRC representative.

  • Clydesdale Bank
  • Mortgage Type
    fixed
  • Initial Rate
    3.89%
    Fixed to 31/03/2020
  • APRC
    4.60%
  • Monthly Payment
    £743.54
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.89% Fixed to 31/03/2020
    • Incentives:
      Free valuation fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £743.54 x 38
    • Ongoing Monthly Payments:
      £801.37 x 262
    • Total Amount Payable:
      £238,908.50
    • Total Interest Payable:
      £95,713.46
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 6/5/4% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 38 months at 3.89% and then reverting to our variable rate of 4.70% variable for remaining term. 38 monthly payments of £743.54 and 262 monthly payments of £801.37. The total amount payable would be £238,458.50 made up of the loan amount plus interest £95,713.46 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.60% APRC representative.

  • Virgin Money
  • Mortgage Type
    fixed
  • Initial Rate
    3.89%
    Fixed to 01/04/2019
  • APRC
    4.40%
  • Monthly Payment
    £743.54
  • ERC
    Yes
  • Fees
    £163
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £475,000
    • Product Description:
      3.89% Fixed to 01/04/2019
    • Incentives:
      No arrangement fees
      £300 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £743.54 x 27
    • Ongoing Monthly Payments:
      £791.39 x 57
    • Total Amount Payable:
      £233,222.50
    • Total Interest Payable:
      £90,309.45
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      £163
    • Charges

    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/4/19: 2.5% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 27 months at 3.89% and then reverting to our variable rate of 4.54% variable for remaining term. 27 monthly payments of £743.54 and 57 monthly payments of £791.39. The total amount payable would be £233,072.50 made up of the loan amount plus interest £90,309.45 and a product fee £0 and valuation fee £163. The overall cost for comparison is 4.40% APRC representative.

  • Yorkshire Bank
  • Mortgage Type
    fixed
  • Initial Rate
    3.89%
    Fixed to 31/03/2020
  • APRC
    4.60%
  • Monthly Payment
    £743.54
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.89% Fixed to 31/03/2020
    • Incentives:
      Free valuation fees
      No arrangement fees
      £250 cashback On Completion Min £75K of Mortgage Advance
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £743.54 x 38
    • Ongoing Monthly Payments:
      £801.37 x 262
    • Total Amount Payable:
      £238,658.50
    • Total Interest Payable:
      £95,713.46
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 6/5/4% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 38 months at 3.89% and then reverting to our variable rate of 4.70% variable for remaining term. 38 monthly payments of £743.54 and 262 monthly payments of £801.37. The total amount payable would be £238,458.50 made up of the loan amount plus interest £95,713.46 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.60% APRC representative.

  • Yorkshire Bank
  • Mortgage Type
    fixed
  • Initial Rate
    3.89%
    Fixed to 31/03/2020
  • APRC
    4.60%
  • Monthly Payment
    £743.54
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.89% Fixed to 31/03/2020
    • Incentives:
      Free valuation fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £743.54 x 38
    • Ongoing Monthly Payments:
      £801.37 x 262
    • Total Amount Payable:
      £238,908.50
    • Total Interest Payable:
      £95,713.46
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 6/5/4% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 38 months at 3.89% and then reverting to our variable rate of 4.70% variable for remaining term. 38 monthly payments of £743.54 and 262 monthly payments of £801.37. The total amount payable would be £238,458.50 made up of the loan amount plus interest £95,713.46 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.60% APRC representative.

  • Halifax
  • Mortgage Type
    fixed
  • Initial Rate
    3.94%
    Fixed to 28/02/2019
  • APRC
    3.90%
  • Monthly Payment
    £747.45
  • ERC
    Yes
  • Fees
    £610
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.94% Fixed to 28/02/2019
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £747.45 x 25
    • Ongoing Monthly Payments:
      £732.93 x 275
    • Total Amount Payable:
      £220,852
    • Total Interest Payable:
      £77,742
    • Fees

    • Product Fee:
      £295
    • Valuation Fee:
      £315
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 28/2/19: 3/2% Mortgage Advance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 25 months at 3.94% and then reverting to our variable rate of 3.74% variable for remaining term. 25 monthly payments of £747.45 and 275 monthly payments of £732.93. The total amount payable would be £220,902 made up of the loan amount plus interest £77,742 and a product fee £295 and valuation fee £315. The overall cost for comparison is 3.90% APRC representative.

  • Halifax
  • Mortgage Type
    fixed
  • Initial Rate
    3.94%
    Fixed to 28/02/2019
  • APRC
    3.90%
  • Monthly Payment
    £747.45
  • ERC
    Yes
  • Fees
    £610
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.94% Fixed to 28/02/2019
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £747.45 x 25
    • Ongoing Monthly Payments:
      £732.93 x 275
    • Total Amount Payable:
      £220,852
    • Total Interest Payable:
      £77,742
    • Fees

    • Product Fee:
      £295
    • Valuation Fee:
      £315
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 28/2/19: 3/2% Mortgage Advance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 25 months at 3.94% and then reverting to our variable rate of 3.74% variable for remaining term. 25 monthly payments of £747.45 and 275 monthly payments of £732.93. The total amount payable would be £220,902 made up of the loan amount plus interest £77,742 and a product fee £295 and valuation fee £315. The overall cost for comparison is 3.90% APRC representative.

  • Nationwide BS
  • Mortgage Type
    tracker
  • Initial Rate
    3.99%
    Variable for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £751.38
  • ERC
    No
  • Fees
    No Fees
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      3.99% Variable for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £751.38 x 24
    • Ongoing Monthly Payments:
      £733.14 x 276
    • Total Amount Payable:
      £220,879.80
    • Total Interest Payable:
      £77,879.76
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a tracker rate for 24 months at 3.99% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £751.38 and 276 monthly payments of £733.14. The total amount payable would be £220,429.80 made up of the loan amount plus interest £77,879.76 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Nationwide BS
  • Mortgage Type
    tracker
  • Initial Rate
    3.99%
    Variable for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £751.38
  • ERC
    No
  • Fees
    No Fees
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      3.99% Variable for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No arrangement fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £751.38 x 24
    • Ongoing Monthly Payments:
      £733.14 x 276
    • Total Amount Payable:
      £220,379.80
    • Total Interest Payable:
      £77,879.76
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a tracker rate for 24 months at 3.99% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £751.38 and 276 monthly payments of £733.14. The total amount payable would be £220,429.80 made up of the loan amount plus interest £77,879.76 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    4.09%
    Fixed for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £759.27
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £250,000
    • Product Description:
      4.09% Fixed for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £759.27 x 24
    • Ongoing Monthly Payments:
      £733.64 x 276
    • Total Amount Payable:
      £221,207.10
    • Total Interest Payable:
      £78,207.12
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2/1% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 24 months at 4.09% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £759.27 and 276 monthly payments of £733.64. The total amount payable would be £220,757.10 made up of the loan amount plus interest £78,207.12 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    4.09%
    Fixed for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £759.27
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £250,000
    • Product Description:
      4.09% Fixed for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No arrangement fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £759.27 x 24
    • Ongoing Monthly Payments:
      £733.64 x 276
    • Total Amount Payable:
      £220,707.10
    • Total Interest Payable:
      £78,207.12
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2/1% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 24 months at 4.09% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £759.27 and 276 monthly payments of £733.64. The total amount payable would be £220,757.10 made up of the loan amount plus interest £78,207.12 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    4.09%
    Fixed for 3 years
  • APRC
    4.00%
  • Monthly Payment
    £759.27
  • ERC
    Yes
  • Fees
    £999
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £250,000
    • Product Description:
      4.09% Fixed for 3 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £759.27 x 36
    • Ongoing Monthly Payments:
      £734.56 x 264
    • Total Amount Payable:
      £222,756.60
    • Total Interest Payable:
      £78,757.56
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 3/2/1% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 36 months at 4.09% and then reverting to our variable rate of 3.74% variable for remaining term. 36 monthly payments of £759.27 and 264 monthly payments of £734.56. The total amount payable would be £222,306.60 made up of the loan amount plus interest £78,757.56 and a product fee £999 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    4.09%
    Fixed for 3 years
  • APRC
    4.00%
  • Monthly Payment
    £759.27
  • ERC
    Yes
  • Fees
    £999
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £250,000
    • Product Description:
      4.09% Fixed for 3 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £759.27 x 36
    • Ongoing Monthly Payments:
      £734.56 x 264
    • Total Amount Payable:
      £222,256.60
    • Total Interest Payable:
      £78,757.56
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 3/2/1% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 36 months at 4.09% and then reverting to our variable rate of 3.74% variable for remaining term. 36 monthly payments of £759.27 and 264 monthly payments of £734.56. The total amount payable would be £222,306.60 made up of the loan amount plus interest £78,757.56 and a product fee £999 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

  • Halifax
  • Mortgage Type
    fixed
  • Initial Rate
    4.29%
    Fixed to 31/03/2022
  • APRC
    4.10%
  • Monthly Payment
    £775.17
  • ERC
    Yes
  • Fees
    £1,314
  • Max LTV
    95%
  • More Info + Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      4.29% Fixed to 31/03/2022
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £775.17 x 62
    • Ongoing Monthly Payments:
      £739.24 x 238
    • Total Amount Payable:
      £225,813.70
    • Total Interest Payable:
      £81,499.66
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £315
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/22: 5/4/3/3/2% Mortgage Advance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 62 months at 4.29% and then reverting to our variable rate of 3.74% variable for remaining term. 62 monthly payments of £775.17 and 238 monthly payments of £739.24. The total amount payable would be £225,363.70 made up of the loan amount plus interest £81,499.66 and a product fee £999 and valuation fee £315. The overall cost for comparison is 4.10% APRC representative.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The above results are based on a repayment mortgage of £142,500, on a property value of £150,000, over a term of 25 years. This is a loan to value (LTV) of 95% Our mortgage comparison service includes providers from whom we may receive commission. This table initially lists featured products. The mortgage data above was supplied by Moneyfacts Ltd and was last updated 11:30, 19/01/2017.The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.
The above results are based on a repayment mortgage of £142,500, on a property value of £150,000, over a term of 25 years. This is a loan to value (LTV) of 95% Our mortgage comparison service includes providers from whom we may receive commission. This table initially lists featured products. The mortgage data above was supplied by Moneyfacts Ltd and was last updated 11:30, 07:54 20/01/2017.The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

More about 95 % mortgages

Houses rarely come cheap. In fact, trying to find a deposit of 20 percent 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 percent loan-to value ratio (or LTV) offers.

This means you'll need to put up only five percent 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 percent 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.

Please use our whole of market mortgage comparison to compare all the top brands including RBS Mortgages, NatWest Mortgages, HSBC Mortgages, Santander Mortgages, Yorkshire Building Society Mortgages, Chelsea Building Society Mortgages and The Post Office Mortgages to name a few.

Click here to read our handy guide covering frequently asked questions about mortgages.