95% Mortgages

Here you can quickly view and compare all the lenders offering 95% loan to value mortgages for borrowers who have a 5% deposit. These 95% mortgage products are popular with first time buyers and those who have a small deposit.

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Mortgage Expert



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ATOM 3 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.69%

Mortgage Type
Fixed

Duration
Mar-2020

Monthly Payment
£742.56

APR
4.2%

compare

Brightstar 3 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.69%

Mortgage Type
Fixed

Duration
Mar-2020

Monthly Payment
£742.56

APR
4.2%

compare

Complete FS 3 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.69%

Mortgage Type
Fixed

Duration
Mar-2020

Monthly Payment
£742.56

APR
4.2%

compare

3 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.69%

Mortgage Type
Fixed

Duration
Mar-2020

Monthly Payment
£742.56

APR
4.2%

compare

2 Year Discount £999 Fee Purchase

Initial Rate
2.78%

Mortgage Type
Discount

Duration
Feb-2019

Monthly Payment
£752.12

APR
4.5%

compare

3 Year Discount £799 Fee Purchase Professional

Initial Rate
2.79%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£752.03

APR
4.6%

compare

Direct FTB 3 Year Discount Chorley Local Mortgage 0.75% Fee

Initial Rate
2.83%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£757.40

APR
4.8%

compare

Clever Lending 3 Year Discount 0.4 % Fee

Initial Rate
2.84%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£755.49

APR
4.7%

compare

Clever Lending PAMS 3 Year Discount 0.4% Fee

Initial Rate
2.84%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£755.49

APR
4.7%

compare

3 Year Discount 0.4 % Fee

Initial Rate
2.84%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£755.49

APR
4.7%

compare

PAMS 3 Year Discount 0.4% Fee

Initial Rate
2.84%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£755.49

APR
4.7%

compare

3 Year Discount No Fee Purchase

Initial Rate
2.88%

Mortgage Type
Discount

Duration
Feb-2020

Monthly Payment
£755.81

APR
4.4%

compare

ATOM 5 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.89%

Mortgage Type
Fixed

Duration
Mar-2022

Monthly Payment
£759.20

APR
4%

compare

Brightstar 5 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.89%

Mortgage Type
Fixed

Duration
Mar-2022

Monthly Payment
£759.20

APR
4%

compare

Complete FS 5 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.89%

Mortgage Type
Fixed

Duration
Mar-2022

Monthly Payment
£759.20

APR
4%

compare

5 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.89%

Mortgage Type
Fixed

Duration
Mar-2022

Monthly Payment
£759.20

APR
4%

compare

Brightstar 2 Year Discount £300 Fee Purchase

Initial Rate
2.94%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£762.23

APR
5.1%

compare

2 Year Discount £300 Fee Purchase

Initial Rate
2.94%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£762.23

APR
5.1%

compare

3 Year Discount £499 Fee Purchase

Initial Rate
2.94%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£763.17

APR
4.4%

compare

3 Year Discount No Fee Purchase Professional

Initial Rate
2.99%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£765.01

APR
4.6%

compare

Intermediary 2 Year Fixed £800 Fee

Initial Rate
2.99%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£768.80

APR
5.3%

compare

2 Year Discount No Fee

Initial Rate
2.99%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£765.11

APR
5.1%

compare

2 Year Discount No Fee Purchase

Initial Rate
2.99%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£765.13

APR
4.6%

compare

FTB Family Assist Term Discount No Fee

Initial Rate
2.99%

Mortgage Type
Discount

Duration
Term

Monthly Payment
£765.01

APR
3.1%

compare

2 Year Discount £800 Fee

Initial Rate
3.09%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£777.26

APR
4.9%

compare

Direct 3 Year Discount No Fee

Initial Rate
3.09%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£773.43

APR
4.7%

compare

Family Assist 4 Year Discount £199 Fee

Initial Rate
3.15%

Mortgage Type
Discount

Duration
4 years

Monthly Payment
£779.47

APR
4.4%

compare

Positive Lending 3 Year Discount No Fee

Initial Rate
3.19%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£781.91

APR
4.7%

compare

3 Year Discount No Fee

Initial Rate
3.19%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£781.91

APR
4.7%

compare

Direct / Semi Exclusive 2 Year Discount £500 Fee

Initial Rate
3.19%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£783.12

APR
4.9%

compare

Brightstar 3 Year Discount £300 Fee Purchase

Initial Rate
3.24%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£787.62

APR
5.1%

compare

Direct / Semi Exclusive 2 Year Fixed £800 Fee

Initial Rate
3.24%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£790.06

APR
5.6%

compare

3 Year Discount £300 Fee Purchase

Initial Rate
3.24%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£787.62

APR
5.1%

compare

Direct 2 Year Tracker £999 Fee Save To Buy Existing Borrowers C/A

Initial Rate
3.29%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£795.42

APR
3.8%

compare

Direct 2 Year Tracker £999 Fee Save To Buy Existing Borrowers

Initial Rate
3.29%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£795.42

APR
3.8%

compare

3 Year Fixed £199 Fee

Initial Rate
3.29%

Mortgage Type
Fixed

Duration
Apr-2020

Monthly Payment
£791.41

APR
4.7%

compare

Positive Lending 3 Year Fixed £199 Fee

Initial Rate
3.29%

Mortgage Type
Fixed

Duration
Apr-2020

Monthly Payment
£791.41

APR
4.7%

compare

Clever Lending 3 Year Fixed 0.4% Fee

Initial Rate
3.29%

Mortgage Type
Fixed

Duration
3 years

Monthly Payment
£793.59

APR
4.8%

compare

3 Year Fixed 0.4% Fee

Initial Rate
3.29%

Mortgage Type
Fixed

Duration
3 years

Monthly Payment
£793.59

APR
4.8%

compare

3 Year Fixed £499 Fee Purchase

Initial Rate
3.29%

Mortgage Type
Fixed

Duration
Apr-2020

Monthly Payment
£790.43

APR
4.5%

compare

3 Year Fixed £699 Fee Purchase Professional

Initial Rate
3.34%

Mortgage Type
Fixed

Duration
3 years

Monthly Payment
£798.15

APR
4.7%

compare

Direct FTB 3 Year Discount £99 Fee

Initial Rate
3.34%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£798.76

APR
4.7%

compare

Direct 2 Year Tracker £999 Fee Save To Buy C/A

Initial Rate
3.39%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£804.05

APR
3.9%

compare

Direct 2 Year Tracker £999 Fee Save To Buy

Initial Rate
3.39%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£804.05

APR
3.9%

compare

Direct FTB 2 Year Tracker £999 Fee Save To Buy C/A

Initial Rate
3.39%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£804.05

APR
3.9%

compare

Direct FTB 2 Year Tracker £999 Fee Save To Buy

Initial Rate
3.39%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£804.05

APR
3.9%

compare

2 Year Fixed No Fee Purchase (Local only) Existing Borrowers

Initial Rate
3.39%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£799.01

APR
4.7%

compare

Direct / Semi Exclusive 2 Year Discount £500 Fee Purchase

Initial Rate
3.39%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£801.66

APR
4.7%

compare

Intermediary 2 Year Discount £500 Fee Purchase

Initial Rate
3.39%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£801.66

APR
4.7%

compare

2 Year Fixed No Fee Purchase (Local only)

Initial Rate
3.39%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£799.01

APR
4.7%

compare



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Recent mortgage Q&A

95% LTV – Loan to value mortgages

95% Mortgages

95% loan to value mortgages are popular with first time buyers as there is only a 5% deposit requirement which is appealing to those who are looking to get on the property ladder as quickly as possible with the minimum amount of deposit required.

Advantages of getting a 95% mortgage?

The most obvious advantage is that you’ll only need to save for a 5% deposit and if you have found it difficult to save for your home then this is a real positive. Having the option to put down a smaller deposit can mean that you’ll have more money available to help with other costs such as stamp duty, conveyancing fees or paying for new furniture etc.

Disadvantages to getting a 95% mortgage?

The smaller deposit you have to put down against your home then the more you’ll have to pay in interest fees. This applies to all the mortgage lenders in the market place. Someone with only a 5% deposit will pay a higher interest rate than someone who has a 10% deposit or even 15% deposit.

Therefore if you decide to pay a smaller deposit of 5% you must be prepared to pay more in interest for the privilege in doing so. The greater security the mortgage lender has the less you’ll be required to pay and the better interest rate you’ll obtain.

What 95% deals are available?

Mortgages

A simple search here on the website will display all of the 95% products available from the whole UK mortgage market place. You can compare all of the 95% mortgages side by side from each lender to see who is offering the best rates and deals.

How can I get further advice?

Our mortgage expert here on the website will be happy to go through all the deals that are available to you and explain what options you have.

Related mortgage product pages

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