95% Mortgages For First Time Buyers

Our comparsion tools have quickly identified and displayed all the 95% loan to value deals currently available to first time buyers. View the deals side-by-side and compare the lenders rates to see which lenders are offering the best deals for first time home buyers. Simply use the search tools to changes the results to match your needs.

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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
£568.43

APR
4.2%

compare

Brightstar 3 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.69%

Mortgage Type
Fixed

Duration
Mar-2020

Monthly Payment
£568.43

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
£568.43

APR
4.2%

compare

3 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.69%

Mortgage Type
Fixed

Duration
Mar-2020

Monthly Payment
£568.43

APR
4.2%

compare

2 Year Discount £999 Fee Purchase

Initial Rate
2.78%

Mortgage Type
Discount

Duration
Feb-2019

Monthly Payment
£576.24

APR
4.5%

compare

3 Year Discount £799 Fee Purchase Professional

Initial Rate
2.79%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£575.95

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
£579.22

APR
4.8%

compare

Clever Lending 3 Year Discount 0.4 % Fee

Initial Rate
2.84%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£578.22

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
£578.22

APR
4.7%

compare

3 Year Discount 0.4 % Fee

Initial Rate
2.84%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£578.22

APR
4.7%

compare

PAMS 3 Year Discount 0.4% Fee

Initial Rate
2.84%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£578.22

APR
4.7%

compare

3 Year Discount No Fee Purchase

Initial Rate
2.88%

Mortgage Type
Discount

Duration
Feb-2020

Monthly Payment
£577.97

APR
4.4%

compare

ATOM 5 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.89%

Mortgage Type
Fixed

Duration
Mar-2022

Monthly Payment
£581.16

APR
4%

compare

Brightstar 5 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.89%

Mortgage Type
Fixed

Duration
Mar-2022

Monthly Payment
£581.16

APR
4%

compare

Complete FS 5 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.89%

Mortgage Type
Fixed

Duration
Mar-2022

Monthly Payment
£581.16

APR
4%

compare

5 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.89%

Mortgage Type
Fixed

Duration
Mar-2022

Monthly Payment
£581.16

APR
4%

compare

Brightstar 2 Year Discount £300 Fee Purchase

Initial Rate
2.94%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£583.22

APR
5.1%

compare

2 Year Discount £300 Fee Purchase

Initial Rate
2.94%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£583.22

APR
5.1%

compare

3 Year Discount £499 Fee Purchase

Initial Rate
2.94%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£584.15

APR
4.4%

compare

3 Year Discount No Fee Purchase Professional

Initial Rate
2.99%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£585.01

APR
4.6%

compare

Intermediary 2 Year Fixed £800 Fee

Initial Rate
2.99%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£588.80

APR
5.3%

compare

Intermediary 2 Year Discount No Fee

Initial Rate
2.99%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£585.10

APR
5.1%

compare

2 Year Discount No Fee Purchase

Initial Rate
2.99%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£585.13

APR
4.6%

compare

FTB Family Assist Term Discount No Fee

Initial Rate
2.99%

Mortgage Type
Discount

Duration
Term

Monthly Payment
£585.01

APR
3.1%

compare

2 Year Discount £800 Fee

Initial Rate
3.09%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£595.28

APR
4.9%

compare

Direct 3 Year Discount No Fee

Initial Rate
3.09%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£591.45

APR
4.7%

compare

Family Assist 4 Year Discount £199 Fee

Initial Rate
3.15%

Mortgage Type
Discount

Duration
4 years

Monthly Payment
£596.29

APR
4.4%

compare

Positive Lending 3 Year Discount No Fee

Initial Rate
3.19%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£597.93

APR
4.7%

compare

3 Year Discount No Fee

Initial Rate
3.19%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£597.93

APR
4.7%

compare

Direct / Semi Exclusive 2 Year Discount £500 Fee

Initial Rate
3.19%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£599.14

APR
4.9%

compare

Brightstar 3 Year Discount £300 Fee Purchase

Initial Rate
3.24%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£602.64

APR
5.1%

compare

Direct / Semi Exclusive 2 Year Fixed £800 Fee

Initial Rate
3.24%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£605.08

APR
5.6%

compare

3 Year Discount £300 Fee Purchase

Initial Rate
3.24%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£602.64

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
£609.44

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
£609.44

APR
3.8%

compare

3 Year Fixed £199 Fee

Initial Rate
3.29%

Mortgage Type
Fixed

Duration
Apr-2020

Monthly Payment
£605.42

APR
4.7%

compare

Positive Lending 3 Year Fixed £199 Fee

Initial Rate
3.29%

Mortgage Type
Fixed

Duration
Apr-2020

Monthly Payment
£605.42

APR
4.7%

compare

Clever Lending 3 Year Fixed 0.4% Fee

Initial Rate
3.29%

Mortgage Type
Fixed

Duration
3 years

Monthly Payment
£607.38

APR
4.8%

compare

3 Year Fixed 0.4% Fee

Initial Rate
3.29%

Mortgage Type
Fixed

Duration
3 years

Monthly Payment
£607.38

APR
4.8%

compare

3 Year Fixed £499 Fee Purchase

Initial Rate
3.29%

Mortgage Type
Fixed

Duration
Apr-2020

Monthly Payment
£604.45

APR
4.5%

compare

3 Year Fixed £699 Fee Purchase Professional

Initial Rate
3.34%

Mortgage Type
Fixed

Duration
3 years

Monthly Payment
£611.16

APR
4.7%

compare

Direct FTB 3 Year Discount £99 Fee

Initial Rate
3.34%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£610.93

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
£616.05

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
£616.05

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
£616.05

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
£616.05

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
£611.01

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
£613.66

APR
4.7%

compare

Intermediary 2 Year Discount £500 Fee Purchase

Initial Rate
3.39%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£613.66

APR
4.7%

compare

2 Year Fixed No Fee Purchase (Local only)

Initial Rate
3.39%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£611.01

APR
4.7%

compare



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What you need to know about 95% LTV mortgage for first time buyers

First time buyer mortgages

Getting onto the housing ladder is now harder than it has ever been especially with rents increasing to take up the money that you would like to have used to save for a deposit. Therefore many potential first time buyers get to the point at which they have managed to scrape together a 5% deposit and then begin to look at mortgage options. However there are few things you need to know before you jump into trying to get one of these mortgages.

Can anyone get a 95% LTV mortgage?

Unfortunately because of the perceived high risk of having a deposit this small is that lenders then put in additional criteria and conditions that you have to satisfy in order to be able to take out this type of mortgage.

Criteria to get a 95% LTV mortgage

The first thing you will need in order to apply for a 95% LTV mortgage is a good credit record. You will need to prove that you have a good record of making payments on time and not falling behind on things like credit card and loan payments. In addition to this you should also be registered on the electoral roll.

You will also need to have a sufficient income in order to be able to make the payments. Lenders will usually offer you between three and four times your salary if you are buying a property on your own, or around two and a half times your combined salary if there are two of you buying the property.

One of the new tests that has been brought in to help lenders judge the amount of risk they are taking on you will also need to show that you would be able to continue to make repayments even if the interest rates increase significantly in the future. You will also have to provide evidence of your income and outgoings, particularly if you have credit cards that you do not clear every month.

What are the risks?

Interest only mortgage applications

The main risk is that if you are on a low income you will probably not be offered the mortgage. There is also the fact that you will find that you end up paying up to 6% interest on your mortgage, which is a lot higher than for mortgages with much lower loan to value ratios and at the end of your fixed rate deal you could find your repayments go even higher.

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