Mortgages.direct | 95 LTV Mortgages

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5.40% Discounted Variable (collared at 3.00%) (2.70% disc) From Vernon BS

Initial rate 5.40%

Monthly cost £1,600 for 0 months

Overall cost 5.6% APRC

See deal

Fees

Arrangement fee

No fee

Valuation fee

£285

Cashback

No cashback

Additional information

Description

5.40% Discounted Variable (collared at 3.00%) (2.70% disc)

Incentives

No arrangement fees.

Early repayment charge

1st 5 yrs: 5/4/3/2/2% Sum Repaid

Total amount payable over term

£576,620

The total cost of a £285,000 mortgage over 30 years is £576,620. More information on this mortgage

5.40% Discounted Variable (collared at 3.00%) (2.70% disc) From Vernon BS

Initial rate 5.40%

Monthly cost £1,600 for 0 months

Overall cost 5.6% APRC

See deal

Fees

Arrangement fee

No fee

Valuation fee

£285

Cashback

No cashback

Additional information

Description

5.40% Discounted Variable (collared at 3.00%) (2.70% disc)

Incentives

No arrangement fees.

Early repayment charge

1st 5 yrs: 5/4/3/2/2% Sum Repaid

Total amount payable over term

£576,620

The total cost of a £285,000 mortgage over 30 years is £576,620. More information on this mortgage

5.44% Discounted Variable for 3 years (1.56% disc) From Newbury BS

Initial rate 5.44%

Monthly cost £1,607 for 36 months

Overall cost 6.8% APRC

See deal

Fees

Arrangement fee

No fee

Valuation fee

No fee

Cashback

No cashback

Additional information

Description

5.44% Discounted Variable for 3 years (1.56% disc)

Incentives

Free valuation fees (Max £700). No arrangement fees.

Early repayment charge

1st 3 yrs: 3/1.2/1% Mortgage Advance

Total amount payable over term

£665,721

The total cost of a £285,000 mortgage over 30 years is £665,721. More information on this mortgage

5.54% Discounted Variable (collared at 2.50%) for 3 years (2.70% disc) From Beverley BS

Initial rate 5.54%

Monthly cost £1,625 for 36 months

Overall cost 7.8% APRC

See deal

Fees

Arrangement fee

No fee

Valuation fee

£310

Cashback

No cashback

Additional information

Description

5.54% Discounted Variable (collared at 2.50%) for 3 years (2.70% disc)

Early repayment charge

1st 3 yrs: 2% Sum Repaid

Total amount payable over term

£741,412

The total cost of a £285,000 mortgage over 30 years is £741,412. More information on this mortgage

5.59% Fixed for 5 years From Scottish BS

Initial rate 5.59%

Monthly cost £1,634 for 60 months

Overall cost 7.4% APRC

See deal

Fees

Arrangement fee

£995

Valuation fee

£45

Cashback

No cashback

Additional information

Description

5.59% Fixed for 5 years

Incentives

Free valuation fees (Max £375) Remortgages. free legal feesRemortgages Scotland or £250 towards legal feesRemortgages.

Early repayment charge

1st 5 yrs: 5/4/3/3/2% Outstanding Balance

Total amount payable over term

£722,761

The total cost of a £285,000 mortgage over 30 years is £722,761. More information on this mortgage

5.63% Fixed to 30/11/2028 From Yorkshire Building Society

Initial rate 5.63%

Monthly cost £1,642 for 61 months

Overall cost 7.4% APRC

See deal

Fees

Arrangement fee

No fee

Valuation fee

No fee

Cashback

£250

Additional information

Description

5.63% Fixed to 30/11/2028

Incentives

Free valuation fees. £250 cashback.

Early repayment charge

to 30/11/28: 5/4/3.5/2.5/2% Sum Repaid

Total amount payable over term

£722,703

The total cost of a £285,000 mortgage over 30 years is £722,703. More information on this mortgage

5.64% Fixed to 31/01/2029 From Accord Mortgages

Initial rate 5.64%

Monthly cost £1,643 for 63 months

Overall cost 7.4% APRC

See deal

Fees

Arrangement fee

No fee

Valuation fee

No fee

Cashback

£250

Additional information

Description

5.64% Fixed to 31/01/2029

Incentives

Free valuation fees. £250 cashback.

Early repayment charge

to 31/1/29: 5/4/3.5/2.5/2% Sum Repaid

Total amount payable over term

£720,888

The total cost of a £285,000 mortgage over 30 years is £720,888. More information on this mortgage

5.69% Fixed to 31/03/2029 From Skipton BS

Initial rate 5.69%

Monthly cost £1,652 for 65 months

Overall cost 6.5% APRC

See deal

Fees

Arrangement fee

No fee

Valuation fee

No fee

Cashback

No cashback

Additional information

Description

5.69% Fixed to 31/03/2029

Incentives

Free valuation fees. free valuation admin fees. No arrangement fees.

Early repayment charge

to 31/3/29: 6/6/5/4/1.75% Outstanding Balance

Total amount payable over term

£647,257

The total cost of a £285,000 mortgage over 30 years is £647,257. More information on this mortgage

5.71% Fixed to 31/01/2029 From Accord Mortgages

Initial rate 5.71%

Monthly cost £1,656 for 63 months

Overall cost 7.4% APRC

See deal

Fees

Arrangement fee

No fee

Valuation fee

No fee

Cashback

No cashback

Additional information

Description

5.71% Fixed to 31/01/2029

Incentives

Free valuation fees. free legal fees.

Early repayment charge

to 31/1/29: 5/4/3.5/2.5/2% Sum Repaid

Total amount payable over term

£722,601

The total cost of a £285,000 mortgage over 30 years is £722,601. More information on this mortgage

5.72% Fixed to 31/01/2029 From Leeds BS

Initial rate 5.72%

Monthly cost £1,658 for 63 months

Overall cost 7.5% APRC

See deal

Fees

Arrangement fee

£999

Valuation fee

No fee

Cashback

No cashback

Additional information

Description

5.72% Fixed to 31/01/2029

Incentives

Free valuation fees (Max £999). free valuation admin fees.

Early repayment charge

to 31/1/29: 5/5/4/3/2% Sum Repaid

Total amount payable over term

£723,082

The total cost of a £285,000 mortgage over 30 years is £723,082. More information on this mortgage

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Mortgages Direct provides an independent mortgage quotes and advice service. When you submit this form you will be contacted by a regulated mortgage adviser to discuss your options.

How To Get A 95% LTV Mortgage

Not all lenders offer 95% loan to value mortgages and those that do have set criteria to determine whether they are happy to lend on this basis.

The good news is that in recent years a number of lenders have relaxed their criteria for this type of lending. Things to be mindful of include:

Lenders will charge you a higher rate on interest on your mortgage if you only have a 5% deposit. If you can get your deposit up to 10% this will help get the cost of borrowing down.

While some lenders will be happy to lend if you have a 5% deposit, their decision to lend will be based on affordability criteria so factors such as your income, previous credit record and the amount you wish to borrow.
Available for both first time home buyers as well as those moving home or buying a second property.

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95 LTV Mortgages

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Mortgage details

To find out more, call on

This comparison simply includes all mortgage services

Get A Great 95% LTV Mortgage Deal

We are 100% independent. Find the best mortgage rates from UK lenders with a 5% deposit

How To Get A 95% LTV Mortgage

Require independent advice?

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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