Low Deposit Mortgages

We compare 5642 mortgages of which 352 are Low Deposit Mortgages.

Featuring a Loan to Value (LTV) of 95% or higher, low deposit mortgages are ideal for people with limited savings. You can compare the latest rates and other important product features on low deposit mortgages in the table below.

Choose a type of mortgage to compare

  • Available as part of the Government Help To Buy scheme.
  • HSBC - 2 Year 3.69% Fixed
  • Available as part of the Government Help To Buy scheme.
  • Mortgage Type
    Fixed
    Until 31/03/2018
  • Initial Rate
    3.69%
    reverting to3.94%
  • Overall cost for comparison
    4.00%
  • LTV
    95%
  • Fees
  • ERC
  • Call Direct0800 077 4339
    Call: 0800 077 4339+ Product Details
  • Call HSBC for more information about this mortgage
    Call Direct: 0800 077 4339
    Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    Click here to find out more

    Product Details

    • Product Rate:
      3.69% Fixed to 31/03/2018; Reverting to an Existing Borrowers Rate of 3.94% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      to 31/3/18: 2/1% Sum Repaid
    • Early Repayment Charges:
      to 31/3/18: 2/1% Sum Repaid
    • Product Features:
      Also available to Further Advances, Also available to Shared Ownership, Help to Buy, Portable, Split Repayment
    • ProductNotes:
      Customers must have a deposit of at least £10,000.
    • Product Repayment Methods:
      Repayment, Interest only Endowment (max 75% LTV Min Salary £100K), Interest only Unit TrustOEIC (max 75% LTV Min Salary £100K), Interest only Cash ISA (max 75% LTV Min Salary £100K), Interest only Investment Bonds (max 75% LTV Min Salary £100K), Interest only Stocks & Shares Portfolio (max 75% LTV Min Salary £100K), Interest only Sale of Second/Investment property (max 75% LTV Min Salary £100K), Interest Only Stocks & Shares ISA (max 75% LTV Min Salary £100K)
    • Incentives:
      No arrangement fees. free valuation fees. free valuation admin fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      Yes
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      Yes
  • Available as a Right to Buy mortgage.
  • NatWest - 2 Year 3.79% Fixed
  • Available as a Right to Buy mortgage.
  • Mortgage Type
    Fixed
    Until 30/06/2018
  • Initial Rate
    3.79%
    reverting to4.00%
  • Overall cost for comparison
    4.10%
  • LTV
    95%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      3.79% Fixed to 30/06/2018; Reverting to an Existing Borrowers Rate of 4.00% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      to 30/6/18: 2/1% Sum Repaid
    • Early Repayment Charges:
      to 30/6/18: 2/1% Sum Repaid
    • Product Features:
      Help to Buy, Portable
    • Product Repayment Methods:
      Repayment
    • Incentives:
      No arrangement fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      Yes
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      Yes
    • Help To Buy:
      Yes
  • Cashback Options Available.
  • Post Office Money® - 2 Year 3.98% Fixed
  • Cashback Options Available.
  • Mortgage Type
    Fixed
    Until 31/03/2018
  • Initial Rate
    3.98%
    reverting to4.49%
  • Overall cost for comparison
    4.50%
  • LTV
    95%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      3.98% Fixed to 31/03/2018; Reverting to a 4.49% Variable for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      to 31/3/18: 3/2% Sum Repaid; Deferred Arrangement Fee £195.00
    • Early Repayment Charges:
      to 31/3/18: 3/2% Sum Repaid
    • Product Features:
      Help to Buy, Portable, Tracker
    • Product Repayment Methods:
      Repayment
    • Incentives:
      No arrangement fees. £300 rebate. No Higher Lending Charge (HLC).
    • First Time Buyer:
      Yes
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      Yes
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      Yes
  • Available as a Right to Buy mortgage.
  • Halifax - 2 Year 4.29% Fixed
  • Available as a Right to Buy mortgage.
  • Mortgage Type
    Fixed
    Until 31/05/2018
  • Initial Rate
    4.29%
    reverting to3.99%
  • Overall cost for comparison
    4.20%
  • LTV
    95%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.29% Fixed to 31/05/2018; Reverting to an Existing Borrowers Rate of 3.99% for the remaining term of the mortgage
    • Product Fees:
      Arrangement £495,
    • Exit Fees:
      to 31/5/18: 3/2% Mortgage Advance
    • Early Repayment Charges:
      to 31/5/18: 3/2% Mortgage Advance
    • Product Features:
      Help to Buy
    • ProductNotes:
      Builder specific
    • Product Repayment Methods:
      Repayment
    • Incentives:
      £500 rebate. No Higher Lending Charge (HLC).
    • First Time Buyer:
      Yes
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      Yes
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      Yes
    • Help To Buy:
      Yes
  • Available as a Right to Buy mortgage.
  • Halifax - 2 Year 4.29% Fixed
  • Available as a Right to Buy mortgage.
  • Mortgage Type
    Fixed
    Until 31/05/2018
  • Initial Rate
    4.29%
    reverting to3.99%
  • Overall cost for comparison
    4.20%
  • LTV
    95%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.29% Fixed to 31/05/2018; Reverting to an Existing Borrowers Rate of 3.99% for the remaining term of the mortgage
    • Product Fees:
      Arrangement £495,
    • Exit Fees:
      to 31/5/18: 3/2% Mortgage Advance
    • Early Repayment Charges:
      to 31/5/18: 3/2% Mortgage Advance
    • Product Features:
      Help to Buy
    • ProductNotes:
      Builder specific
    • Product Repayment Methods:
      Repayment
    • Incentives:
      £500 rebate. No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      Yes
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      Yes
    • Help To Buy:
      Yes
  • Available for existing borrowers only.
  • NatWest - 2 Year 4.32% Fixed
  • Available for existing borrowers only.
  • Mortgage Type
    Fixed
    Until 30/06/2018
  • Initial Rate
    4.32%
    reverting to4.00%
  • Overall cost for comparison
    4.20%
  • LTV
    100%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.32% Fixed to 30/06/2018; Reverting to an Existing Borrowers Rate of 4.00% for the remaining term of the mortgage
    • Product Fees:
      Booking £995,
    • Exit Fees:
      to 30/6/18: 2/1% Sum Repaid
    • Early Repayment Charges:
      to 30/6/18: 2/1% Sum Repaid
    • Product Features:
      Option to choose combination of mortgage types, Portable
    • Product Repayment Methods:
      Repayment, Interest Only (No Repayment Plan), Interest only Endowment, Interest only Pension lump sum, Interest only Unit TrustOEIC, Interest only Cash ISA, Interest only Investment Bonds, Interest only Stocks & Shares Portfolio, Interest only Sale of Second/Investment property, Interest only Sale of Mortgaged Property, Interest Only Stocks & Shares ISA
    • Incentives:
      No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      No
  • Cashback Options Available.
  • Post Office Money® - 3 Year 4.39% Fixed
  • Cashback Options Available.
  • Mortgage Type
    Fixed
    Until 31/03/2019
  • Initial Rate
    4.39%
    reverting to4.49%
  • Overall cost for comparison
    4.60%
  • LTV
    95%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.39% Fixed to 31/03/2019; Reverting to a 4.49% Variable for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      to 31/3/19: 3/3/2% Sum Repaid; Deferred Arrangement Fee £195.00
    • Early Repayment Charges:
      to 31/3/19: 3/3/2% Sum Repaid
    • Product Features:
      Help to Buy, Portable, Tracker
    • Product Repayment Methods:
      Repayment
    • Incentives:
      No arrangement fees. £300 rebate. No Higher Lending Charge (HLC).
    • First Time Buyer:
      Yes
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      Yes
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      Yes
  • Available as a Right to Buy mortgage.
  • Yorkshire Bank - 3 Year 4.39% Fixed
  • Available as a Right to Buy mortgage.
  • Mortgage Type
    Fixed
    Until 30/04/2019
  • Initial Rate
    4.39%
    reverting to4.95%
  • Overall cost for comparison
    4.90%
  • LTV
    95%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.39% Fixed to 30/04/2019; Reverting to an Existing Borrowers Rate of 4.95% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      1st 3 yrs: 6/5/4% Outstanding Balance; Deeds Fee £195.00 Fixed
    • Early Repayment Charges:
      1st 3 yrs: 6/5/4% Outstanding Balance
    • Product Features:
      Option to choose combination of mortgage types, Portable
    • ProductNotes:
      Available upon opening a Private Account. Max term dependent on applicant age.
    • Product Repayment Methods:
      Repayment
    • Incentives:
      Free valuation fees. No arrangement fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      Yes
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      Yes
    • Help To Buy:
      No
  • Available as a Right to Buy mortgage.
  • Clydesdale Bank - 3 Year 4.39% Fixed
  • Available as a Right to Buy mortgage.
  • Mortgage Type
    Fixed
    Until 30/04/2019
  • Initial Rate
    4.39%
    reverting to4.95%
  • Overall cost for comparison
    4.90%
  • LTV
    95%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.39% Fixed to 30/04/2019; Reverting to an Existing Borrowers Rate of 4.95% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      1st 3 yrs: 6/5/4% Outstanding Balance; Deeds Fee £195.00 Fixed
    • Early Repayment Charges:
      1st 3 yrs: 6/5/4% Outstanding Balance
    • Product Features:
      Option to choose combination of mortgage types, Portable
    • ProductNotes:
      Available upon opening a Private Account. Max term dependent on applicant age.
    • Product Repayment Methods:
      Repayment
    • Incentives:
      Free valuation fees. No arrangement fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      Yes
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      Yes
    • Help To Buy:
      No
  • Available as a Right to Buy mortgage.
  • Halifax - 2 Year 4.49% Fixed
  • Available as a Right to Buy mortgage.
  • Mortgage Type
    Fixed
    Until 31/03/2018
  • Initial Rate
    4.49%
    reverting to3.99%
  • Overall cost for comparison
    -
  • LTV
    95%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.49% Fixed to 31/03/2018; Reverting to an Existing Borrowers Rate of 3.99% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      to 31/3/18: 3/2% Mortgage Advance
    • Early Repayment Charges:
      to 31/3/18: 3/2% Mortgage Advance
    • Product Features:
      Help to Buy
    • Product Repayment Methods:
      Repayment
    • Incentives:
      No arrangement fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      Yes
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      Yes
    • Help To Buy:
      Yes
  • Available as a Right to Buy mortgage.
  • Halifax - 2 Year 4.49% Fixed
  • Available as a Right to Buy mortgage.
  • Mortgage Type
    Fixed
    Until 31/05/2018
  • Initial Rate
    4.49%
    reverting to3.99%
  • Overall cost for comparison
    4.20%
  • LTV
    95%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.49% Fixed to 31/05/2018; Reverting to an Existing Borrowers Rate of 3.99% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      to 31/5/18: 3/2% Mortgage Advance
    • Early Repayment Charges:
      to 31/5/18: 3/2% Mortgage Advance
    • Product Features:
      Help to Buy
    • Product Repayment Methods:
      Repayment
    • Incentives:
      No arrangement fees. £500 rebate. No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      Yes
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      Yes
    • Help To Buy:
      Yes
  • Available as a Right to Buy mortgage.
  • Halifax - 2 Year 4.49% Fixed
  • Available as a Right to Buy mortgage.
  • Mortgage Type
    Fixed
    Until 31/05/2018
  • Initial Rate
    4.49%
    reverting to3.99%
  • Overall cost for comparison
    4.20%
  • LTV
    95%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.49% Fixed to 31/05/2018; Reverting to an Existing Borrowers Rate of 3.99% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      to 31/5/18: 3/2% Mortgage Advance
    • Early Repayment Charges:
      to 31/5/18: 3/2% Mortgage Advance
    • Product Features:
      Help to Buy
    • Product Repayment Methods:
      Repayment
    • Incentives:
      No arrangement fees. £500 rebate. No Higher Lending Charge (HLC).
    • First Time Buyer:
      Yes
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      Yes
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      Yes
    • Help To Buy:
      Yes
  • Available as a Right to Buy mortgage.
  • Yorkshire Bank - 3 Year 4.49% Fixed
  • Available as a Right to Buy mortgage.
  • Mortgage Type
    Fixed
    Until 30/04/2019
  • Initial Rate
    4.49%
    reverting to4.95%
  • Overall cost for comparison
    5.00%
  • LTV
    95%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.49% Fixed to 30/04/2019; Reverting to an Existing Borrowers Rate of 4.95% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      1st 3 yrs: 6/5/4% Outstanding Balance; Deeds Fee £195.00 Fixed
    • Early Repayment Charges:
      1st 3 yrs: 6/5/4% Outstanding Balance
    • Product Features:
      Option to choose combination of mortgage types, Portable
    • Product Repayment Methods:
      Repayment
    • Incentives:
      Free valuation fees. No arrangement fees. £250 rebate On Completion Min £75K of Mortgage Advance. No Higher Lending Charge (HLC).
    • First Time Buyer:
      Yes
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      Yes
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      Yes
    • Help To Buy:
      No
  • Available as a Right to Buy mortgage.
  • Yorkshire Bank - 3 Year 4.49% Fixed
  • Available as a Right to Buy mortgage.
  • Mortgage Type
    Fixed
    Until 30/04/2019
  • Initial Rate
    4.49%
    reverting to4.95%
  • Overall cost for comparison
    5.00%
  • LTV
    95%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.49% Fixed to 30/04/2019; Reverting to an Existing Borrowers Rate of 4.95% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      1st 3 yrs: 6/5/4% Outstanding Balance; Deeds Fee £195.00 Fixed
    • Early Repayment Charges:
      1st 3 yrs: 6/5/4% Outstanding Balance
    • Product Features:
      Option to choose combination of mortgage types, Portable
    • Product Repayment Methods:
      Repayment
    • Incentives:
      Free valuation fees. No arrangement fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      Yes
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      Yes
    • Help To Buy:
      No
  • Available as a Right to Buy mortgage.
  • Clydesdale Bank - 3 Year 4.49% Fixed
  • Available as a Right to Buy mortgage.
  • Mortgage Type
    Fixed
    Until 30/04/2019
  • Initial Rate
    4.49%
    reverting to4.95%
  • Overall cost for comparison
    5.00%
  • LTV
    95%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.49% Fixed to 30/04/2019; Reverting to an Existing Borrowers Rate of 4.95% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      1st 3 yrs: 6/5/4% Outstanding Balance; Deeds Fee £195.00 Fixed
    • Early Repayment Charges:
      1st 3 yrs: 6/5/4% Outstanding Balance
    • Product Features:
      Option to choose combination of mortgage types, Portable
    • Product Repayment Methods:
      Repayment
    • Incentives:
      Free valuation fees. No arrangement fees. £250 rebate On Completion Min £75K of Mortgage Advance. No Higher Lending Charge (HLC).
    • First Time Buyer:
      Yes
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      Yes
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      Yes
    • Help To Buy:
      No
  • Available as a Right to Buy mortgage.
  • Clydesdale Bank - 3 Year 4.49% Fixed
  • Available as a Right to Buy mortgage.
  • Mortgage Type
    Fixed
    Until 30/04/2019
  • Initial Rate
    4.49%
    reverting to4.95%
  • Overall cost for comparison
    5.00%
  • LTV
    95%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.49% Fixed to 30/04/2019; Reverting to an Existing Borrowers Rate of 4.95% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      1st 3 yrs: 6/5/4% Outstanding Balance; Deeds Fee £195.00 Fixed
    • Early Repayment Charges:
      1st 3 yrs: 6/5/4% Outstanding Balance
    • Product Features:
      Option to choose combination of mortgage types, Portable
    • Product Repayment Methods:
      Repayment
    • Incentives:
      Free valuation fees. No arrangement fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      Yes
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      Yes
    • Help To Buy:
      No
  • Cashback Options Available.
  • Post Office Money® - 5 Year 4.57% Fixed
  • Cashback Options Available.
  • Mortgage Type
    Fixed
    Until 31/03/2021
  • Initial Rate
    4.57%
    reverting to4.49%
  • Overall cost for comparison
    4.60%
  • LTV
    95%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.57% Fixed to 31/03/2021; Reverting to a 4.49% Variable for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      to 31/3/21: 4/4/3/3/2% Sum Repaid; Deferred Arrangement Fee £195.00
    • Early Repayment Charges:
      to 31/3/21: 4/4/3/3/2% Sum Repaid
    • Product Features:
      Help to Buy, Portable, Tracker
    • Product Repayment Methods:
      Repayment
    • Incentives:
      No arrangement fees. £300 rebate. No Higher Lending Charge (HLC).
    • First Time Buyer:
      Yes
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      Yes
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      Yes
  • Available for existing borrowers only.
  • Halifax - 4 Year 4.59% Fixed
  • Available for existing borrowers only.
  • Mortgage Type
    Fixed
    Until 30/04/2020
  • Initial Rate
    4.59%
    reverting to3.99%
  • Overall cost for comparison
    -
  • LTV
    95%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.59% Fixed to 30/04/2020; Reverting to an Existing Borrowers Rate of 3.99% for the remaining term of the mortgage
    • Product Fees:
      Arrangement £999,
    • Exit Fees:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Early Repayment Charges:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Product Features:
      Portable
    • ProductNotes:
      Option to choose a combination of selected products.
    • Product Repayment Methods:
      Repayment
    • Incentives:
      No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      No
  • Available for existing borrowers only.
  • Halifax - 4 Year 4.59% Fixed
  • Available for existing borrowers only.
  • Mortgage Type
    Fixed
    Until 30/04/2020
  • Initial Rate
    4.59%
    reverting to3.99%
  • Overall cost for comparison
    -
  • LTV
    120%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.59% Fixed to 30/04/2020; Reverting to an Existing Borrowers Rate of 3.99% for the remaining term of the mortgage
    • Product Fees:
      Arrangement £999,
    • Exit Fees:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Early Repayment Charges:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Product Features:
      Portable
    • ProductNotes:
      Option to choose a combination of selected products.
    • Product Repayment Methods:
      Repayment
    • Incentives:
      No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      No
  • Available as a Right to Buy mortgage.
  • NatWest - 5 Year 4.61% Fixed
  • Available as a Right to Buy mortgage.
  • Mortgage Type
    Fixed
    Until 30/06/2021
  • Initial Rate
    4.61%
    reverting to4.00%
  • Overall cost for comparison
    4.40%
  • LTV
    95%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.61% Fixed to 30/06/2021; Reverting to an Existing Borrowers Rate of 4.00% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      to 30/6/21: 5/4/3/2/1% Sum Repaid
    • Early Repayment Charges:
      to 30/6/21: 5/4/3/2/1% Sum Repaid
    • Product Features:
      Help to Buy, Portable
    • Product Repayment Methods:
      Repayment
    • Incentives:
      No arrangement fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      Yes
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      Yes
    • Help To Buy:
      Yes

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

We may receive a commission from some of the companies we refer you to, these are displayed with a green 'Goto Site' button. Listings with a green 'Enquire' button refer you to an FCA regulated mortgage broker where we also receive a fixed fee. Tables initially display lenders from whom we receive commission, ordered by initial rate.

Mortgage data supplied by Moneyfacts. Last updated 11:30, 05/02/2016.

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HSBC Mortgages

Call: 0800 077 4339

Whether you are a first time buyer or looking to remortgage, HSBC offers a range of mortgages that are designed to assist our customers.

Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.

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

More about low deposit mortgages

Low deposit mortgages are designed to help people get onto the housing ladder. They allow you to borrow more of the total money you need to buy your home which means, of course, that you'll need to put in less money upfront as a deposit.

With a low deposit mortgage you might be able to borrow as much as 95 per cent of the value of your new home. This is known as the loan-to-value ratio, or LTV. Elsewhere in the market, you could need to find as much as 40 per cent as a deposit.

The trade-off is that you will often find that you are faced with a higher interest rate, a larger arrangement fee or both.

Low deposit mortgages usually begin on a fixed interest rate, or one that tracks the base rate, for an initial locked-in period. After this period - lasting anywhere between one and five years - ends, you'll revert to a standard variable rate. At this point, though, you will be able to seek a new deal.

With these deals often aimed at first time buyers, a bank will sometimes be prepared to give you a better loan-to-value ratio if a relative or other benefactor can act as guarantor or if you are taking a buy-to-let mortgage and can prove you'll get a steady income from rent.

Beware - as always, you could face an arrangement fee on your mortgage of anywhere up to £2,000 or more.

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

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