Compare 95% Fixed Rate Mortgages

  • With a 5% percent deposit on your property purchase and a loan-to-value of 95% you can decide on the length of fixed rate term you require.
  • Compare fixed rate mortgages, lenders and deals on 95% mortgages in our table below.

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  • Barclays Mortgage's logo'

    Barclays Mortgage 5 Year Fixed

    • Initial Rate
      2.85% Fixed to 31/10/2025
    • APRC
      2.70%
    • Product Fee
      £0
    • Monthly Repayment
      £886.25
    • Lender:
      Barclays Mortgage
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £5,000
    • Max Loan:
      £500,000
    • Product Description:
      2.85% Fixed to 31/10/2025
    • Incentives:
      Free valuation fees for properties valued Max £2M
      No arrangement fees

    • Website:
    • Initial Monthly Repayment:
      £886.25 x 61
    • Ongoing Monthly Payments:
      £865.56 x 239
    • Total Amount Payable:
      £261,810.09
    • Total Interest Payable:
      £70,930.09
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £80
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/10/25: 3% Sum Repaid
  • Barclays Mortgage's logo'

    Barclays Mortgage 5 Year Fixed

    • Initial Rate
      3.05% Fixed to 31/10/2025
    • APRC
      2.80%
    • Product Fee
      £0
    • Monthly Repayment
      £905.95
    • Lender:
      Barclays Mortgage
    • Max First Time Buyer LTV:
      100%
    • Max House Purchase LTV:
      100%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £5,000
    • Max Loan:
      £500,000
    • Product Description:
      3.05% Fixed to 31/10/2025
    • Incentives:
      Free valuation fees for properties valued Max £2M
      No arrangement fees

    • Website:
    • Initial Monthly Repayment:
      £905.95 x 61
    • Ongoing Monthly Payments:
      £869 x 239
    • Total Amount Payable:
      £263,833.95
    • Total Interest Payable:
      £72,953.95
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £80
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/10/25: 3% Sum Repaid
  • Hanley Economic BS's logo'

    Hanley Economic BS 3 Year Fixed

    • Initial Rate
      3.09% Fixed for 3 years
    • APRC
      4.50%
    • Product Fee
      £299
    • Monthly Repayment
      £909.92
    • Lender:
      Hanley Economic BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      95%
    • Min Loan:
      £30,000
    • Max Loan:
      £500,000
    • Product Description:
      3.09% Fixed for 3 years
    • Incentives:
    • Initial Monthly Repayment:
      £909.92 x 36
    • Ongoing Monthly Payments:
      £1,068.40 x 264
    • Total Amount Payable:
      £315,893.72
    • Total Interest Payable:
      £124,814.72
    • Valuation Fee:
      £285
    • Exit Admin Fee:
      £95
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/23: 2% Sum Repaid
  • Tipton & Coseley BS's logo'

    Tipton & Coseley BS 5 Year Fixed

    • Initial Rate
      3.09% Fixed to 30/11/2025
    • APRC
      4.30%
    • Product Fee
      £0
    • Monthly Repayment
      £909.92
    • Lender:
      Tipton & Coseley BS
    • Max First Time Buyer LTV:
      100%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £75,000
    • Max Loan:
      £250,000
    • Product Description:
      3.09% Fixed to 30/11/2025
    • Incentives:
      No arrangement fees

    • Initial Monthly Repayment:
      £909.92 x 62
    • Ongoing Monthly Payments:
      £1,067.43 x 238
    • Total Amount Payable:
      £311,638.38
    • Total Interest Payable:
      £120,463.38
    • Valuation Fee:
      £250
    • Exit Admin Fee:
      £125
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/25: 5/4/3/2/1% Outstanding Balance
  • Tipton & Coseley BS's logo'

    Tipton & Coseley BS 5 Year Fixed

    • Initial Rate
      3.09% Fixed to 30/11/2025
    • APRC
      4.30%
    • Product Fee
      £0
    • Monthly Repayment
      £909.92
    • Lender:
      Tipton & Coseley BS
    • Max First Time Buyer LTV:
      99%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £75,000
    • Max Loan:
      £250,000
    • Product Description:
      3.09% Fixed to 30/11/2025
    • Incentives:
      No arrangement fees

    • Initial Monthly Repayment:
      £909.92 x 62
    • Ongoing Monthly Payments:
      £1,067.43 x 238
    • Total Amount Payable:
      £311,638.38
    • Total Interest Payable:
      £120,463.38
    • Valuation Fee:
      £250
    • Exit Admin Fee:
      £125
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/25: 5/4/3/2/1% Outstanding Balance
  • Click here to see 1 similar product
  • Family Building Society's logo'

    Family Building Society 5 Year Fixed

    • Offset
    • Initial Rate
      3.29% Fixed to 31/03/2026
    • APRC
      3.90%
    • Product Fee
      £599
    • Monthly Repayment
      £929.92
    • Lender:
      Family Building Society
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £45,000
    • Max Loan:
      £500,000
    • Product Description:
      3.29% Fixed to 31/03/2026
    • Incentives:
      Free valuation fees for properties valued Max £500K

    • Initial Monthly Repayment:
      £929.92 x 66
    • Ongoing Monthly Payments:
      £1,021.75 x 234
    • Total Amount Payable:
      £302,163.22
    • Total Interest Payable:
      £110,464.22
    • Valuation Fee:
      £175
    • Exit Admin Fee:
      £125
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/26: 5/5/4/3/2/1% Sum Repaid
  • Leeds BS's logo'

    Leeds BS 2 Year Fixed

    • Initial Rate
      3.44% Fixed to 31/10/2022
    • APRC
      4.80%
    • Product Fee
      £1,499
    • Monthly Repayment
      £945.08
    • Lender:
      Leeds BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.44% Fixed to 31/10/2022
    • Incentives:
      Free valuation fees (Max £999)
      free valuation admin fees

    • Initial Monthly Repayment:
      £945.08 x 25
    • Ongoing Monthly Payments:
      £1,002.65 x 36
    • Total Amount Payable:
      £328,550.05
    • Total Interest Payable:
      £136,052.05
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £199
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/10/22: 3/2% Sum Repaid
  • Leeds BS's logo'

    Leeds BS 2 Year Fixed

    • Initial Rate
      3.64% Fixed to 31/10/2022
    • APRC
      4.90%
    • Product Fee
      £999
    • Monthly Repayment
      £965.51
    • Lender:
      Leeds BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.64% Fixed to 31/10/2022
    • Incentives:
      Free valuation fees (Max £999)
      free valuation admin fees

    • Initial Monthly Repayment:
      £965.51 x 25
    • Ongoing Monthly Payments:
      £1,004.16 x 36
    • Total Amount Payable:
      £329,016.68
    • Total Interest Payable:
      £137,018.68
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £199
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/10/22: 3/2% Sum Repaid
  • Teachers BS's logo'

    Teachers BS 1 Year Fixed

    • Cashback Available
    • Initial Rate
      3.69% Fixed to 14/03/2022
    • APRC
      4.80%
    • Product Fee
      £199
    • Monthly Repayment
      £970.66
    • Lender:
      Teachers BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      95%
    • Min Loan:
      £20,000
    • Max Loan:
      Varies
    • Product Description:
      3.69% Fixed to 14/03/2022
    • Incentives:
      Free valuation fees Max £800K of Purchase Price
      free legal fees Remortgages
      free valuation admin fees Max £800K of Purchase Price
      National Education Union Cashback £100

    • Initial Monthly Repayment:
      £970.66 x 17
    • Ongoing Monthly Payments:
      £1,092.40 x 283
    • Total Amount Payable:
      £325,954.42
    • Total Interest Payable:
      £135,650.42
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £105
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 14/3/22: 3% Sum Repaid
  • Teachers BS's logo'

    Teachers BS 4 Year Fixed

    • Cashback Available
    • Initial Rate
      3.74% Fixed to 14/01/2025
    • APRC
      4.60%
    • Product Fee
      £199
    • Monthly Repayment
      £975.82
    • Lender:
      Teachers BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      95%
    • Min Loan:
      £20,000
    • Max Loan:
      Varies
    • Product Description:
      3.74% Fixed to 14/01/2025
    • Incentives:
      Free valuation fees Max £800K of Purchase Price
      free legal fees Remortgages
      free valuation admin fees Max £800K of Purchase Price
      National Education Union Cashback £100

    • Initial Monthly Repayment:
      £975.82 x 51
    • Ongoing Monthly Payments:
      £1,080.48 x 249
    • Total Amount Payable:
      £319,110.34
    • Total Interest Payable:
      £128,806.34
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £105
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 14/1/25: 3% Sum Repaid
  • Cambridge BS's logo'

    Cambridge BS 2 Year Fixed

    • Initial Rate
      3.84% Fixed for 2 years
    • APRC
      4.90%
    • Product Fee
      £199
    • Monthly Repayment
      £986.18
    • Lender:
      Cambridge BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      95%
    • Min Loan:
      £20,000
    • Max Loan:
      £400,000
    • Product Description:
      3.84% Fixed for 2 years
    • Incentives:
      Free valuation fees for properties valued Max £1M

    • Initial Monthly Repayment:
      £986.18 x 24
    • Ongoing Monthly Payments:
      £1,090.98 x 276
    • Total Amount Payable:
      £325,437.80
    • Total Interest Payable:
      £134,778.80
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £60
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
  • Mansfield BS's logo'

    Mansfield BS 4 Year Fixed

    • Initial Rate
      3.89% Fixed for 4 years
    • APRC
      5.00%
    • Product Fee
      £199
    • Monthly Repayment
      £991.39
    • Lender:
      Mansfield BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      95%
    • Min Loan:
      £75,000
    • Max Loan:
      £300,000
    • Product Description:
      3.89% Fixed for 4 years
    • Incentives:
      Free valuation fees

    • Initial Monthly Repayment:
      £991.39 x 48
    • Ongoing Monthly Payments:
      £1,127.96 x 252
    • Total Amount Payable:
      £332,556.64
    • Total Interest Payable:
      £141,832.64
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £125
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 4 yrs: 3% Mortgage Advance
  • Mansfield BS's logo'

    Mansfield BS 5 Year Fixed

    • Cashback Available
    • Initial Rate
      3.89% Fixed for 5 years
    • APRC
      5.00%
    • Product Fee
      £199
    • Monthly Repayment
      £991.39
    • Lender:
      Mansfield BS
    • Max First Time Buyer LTV:
      100%
    • Max House Purchase LTV:
      100%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £50,000
    • Max Loan:
      £250,000
    • Product Description:
      3.89% Fixed for 5 years
    • Incentives:
      £400 cashback

    • Initial Monthly Repayment:
      £991.39 x 60
    • Ongoing Monthly Payments:
      £1,122.27 x 240
    • Total Amount Payable:
      £329,746.20
    • Total Interest Payable:
      £138,828.20
    • Valuation Fee:
      £194
    • Exit Admin Fee:
      £125
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 5 yrs: 3% Mortgage Advance
  • Click here to see 1 similar product
  • Cambridge BS's logo'

    Cambridge BS 5 Year Fixed

    • Initial Rate
      4.14% Fixed for 5 years
    • APRC
      4.70%
    • Product Fee
      £199
    • Monthly Repayment
      £1,017.64
    • Lender:
      Cambridge BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      95%
    • Min Loan:
      £20,000
    • Max Loan:
      Varies
    • Product Description:
      4.14% Fixed for 5 years
    • Incentives:
      Free valuation fees for properties valued Max £1M

    • Initial Monthly Repayment:
      £1,017.64 x 60
    • Ongoing Monthly Payments:
      £1,084.84 x 240
    • Total Amount Payable:
      £322,079
    • Total Interest Payable:
      £131,420
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £60
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 5 yrs: 5/4/3/2/1% Outstanding Balance
  • Leeds BS's logo'

    Leeds BS 5 Year Fixed

    • Initial Rate
      4.29% Fixed to 31/10/2025
    • APRC
      5.00%
    • Product Fee
      £999
    • Monthly Repayment
      £1,033.56
    • Lender:
      Leeds BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      4.29% Fixed to 31/10/2025
    • Incentives:
      Free valuation fees (Max £999)
      free valuation admin fees

    • Initial Monthly Repayment:
      £1,033.56 x 61
    • Ongoing Monthly Payments:
      £1,124.24 x 239
    • Total Amount Payable:
      £333,738.52
    • Total Interest Payable:
      £141,740.52
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £199
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/10/25: 5/5/4/3/2% Sum Repaid
  • Teachers BS's logo'

    Teachers BS 2 Year Fixed

    • Cashback Available
    • Initial Rate
      4.44% Fixed to 14/09/2022
    • APRC
      4.90%
    • Product Fee
      £199
    • Monthly Repayment
      £1,049.62
    • Lender:
      Teachers BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      95%
    • Min Loan:
      £20,000
    • Max Loan:
      Varies
    • Product Description:
      4.44% Fixed to 14/09/2022
    • Incentives:
      Free valuation fees Max £800K of Purchase Price
      free legal fees Remortgages
      free valuation admin fees Max £800K of Purchase Price
      National Education Union Cashback £100

    • Initial Monthly Repayment:
      £1,049.62 x 23
    • Ongoing Monthly Payments:
      £1,095.55 x 277
    • Total Amount Payable:
      £327,912.61
    • Total Interest Payable:
      £137,608.61
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £105
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 14/9/22: 3% Sum Repaid
  • Teachers BS's logo'

    Teachers BS 5 Year Fixed

    • Cashback Available
    • Initial Rate
      4.49% Fixed to 14/08/2025
    • APRC
      4.80%
    • Product Fee
      £199
    • Monthly Repayment
      £1,055
    • Lender:
      Teachers BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      95%
    • Min Loan:
      £20,000
    • Max Loan:
      Varies
    • Product Description:
      4.49% Fixed to 14/08/2025
    • Incentives:
      Free valuation fees Max £800K of Purchase Price
      free legal fees Remortgages
      free valuation admin fees Max £800K of Purchase Price
      National Education Union Cashback £100

    • Initial Monthly Repayment:
      £1,055 x 58
    • Ongoing Monthly Payments:
      £1,091.62 x 242
    • Total Amount Payable:
      £325,666.04
    • Total Interest Payable:
      £135,362.04
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £105
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 14/8/25: 3% Sum Repaid
  • Teachers BS's logo'

    Teachers BS 5 Year Fixed

    • Cashback Available
    • Initial Rate
      4.49% Fixed to 14/08/2025
    • APRC
      4.80%
    • Product Fee
      £199
    • Monthly Repayment
      £1,055
    • Lender:
      Teachers BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      95%
    • Min Loan:
      £20,000
    • Max Loan:
      Varies
    • Product Description:
      4.49% Fixed to 14/08/2025
    • Incentives:
      Free valuation fees Max £800K of Purchase Price
      free legal fees Remortgages
      free valuation admin fees Max £800K of Purchase Price
      National Education Union Cashback £100

    • Initial Monthly Repayment:
      £1,055 x 58
    • Ongoing Monthly Payments:
      £1,091.62 x 242
    • Total Amount Payable:
      £325,666.04
    • Total Interest Payable:
      £135,362.04
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £105
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 14/8/25: 3% Sum Repaid
  • Click here to see 1 similar product
Your home may be repossessed if you do not keep up repayments on your mortgage.

The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. 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.

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