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95 LTV Mortgages

    • 5.10% Initial
    • 5 year fixed
    • 6.3% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 5.15% Initial
    • 3 year discounted
    • 7.5% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 5.19% Initial
    • 5 year fixed
    • 6.5% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 5.19% Initial
    • 5 year fixed
    • 7.5% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 5.20% Initial
    • 5 year fixed
    • 7.4% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 5.23% Initial
    • 5 year fixed
    • 7.5% APRC
    • Cashback Max £250
      Free Legals
      Free Valuation
    • Get quotes
    • 5.23% Initial
    • 5 year fixed
    • 7.6% APRC
    • Cashback Max £250
      Free Legals
      Free Valuation
    • Get quotes
    • 5.24% Initial
    • 5 year fixed
    • 7.3% APRC
    • Cashback Max £250
      Free Legals
      Free Valuation
    • Get quotes
    • 5.25% Initial
    • 5 year fixed
    • 7.1% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 5.25% Initial
    • 5 year fixed
    • 7.1% APRC
    • Cashback Max £500
      Free Legals
      Free Valuation
    • Get quotes

Representative example based on a fixed rate mortgage

A mortgage of £375,000 payable over 20 years initially on a fixed rate for 5 years at 4.38% and then at the standard variable rate of 7.65% for the remaining 15 years would require 60 monthly payments of £2,351.88 and then 180 monthly payments of £2,899.55.

The total amount payable would be £663,156.80 which includes interest and product fees of £1,124.

The overall cost for comparison is 6.5% APRC representative.

Early repayment charges may apply.

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