95% LTV Mortgages
Looking for a 95% mortgage? With access to the whole market, our expert brokers can find the lenders who accept 5% deposits and secure the best deal for you. Start your free consultation today.
Getting a mortgage with a 5% deposit
Saving for a large deposit isn’t easy, but with a 95% LTV mortgage you may only need 5% upfront. These mortgages almost disappeared during the pandemic, but they’re now back, supported by the government’s permanent Mortgage Guarantee Scheme and a growing range of specialist lender deals.
Rates on 95% mortgages are usually higher than lower-LTV products, and lenders tend to apply stricter criteria. Your eligibility may depend on factors such as your income, credit history and the type of property you’re buying. The scheme is open to both first-time buyers and home movers, giving second-time buyers the chance to get on the market again with a smaller deposit.
"95% mortgages are available, but criteria vary. We guide you to the right lender, make the process straightforward, and give you the best chance of approval"
What to do next
Check your eligibility
See if you’re likely to qualify for a 95% LTV mortgage with our affordability calculator.
Explore your options
Read our guides on Shared Ownership, First Homes, and the Mortgage Guarantee Scheme to understand which route might suit you best.
Compare mortgages
Use our mortgage comparison tool to view current deals from across the market.
Speak to an expert
Get matched with a broker who specialises in 5% deposit mortgages and find out which lenders are most likely to approve your application.
Our brokers know which lenders accept 5% deposits and can help you secure the right deal. Make a free enquiry today
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Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
Yes. 95% LTV mortgages are still on the market, supported by the government’s permanent Mortgage Guarantee Scheme and specialist lender products. Availability has improved since the pandemic, though criteria remain stricter than lower-LTV mortgages.
Yes. The scheme is open to both first-time buyers and home movers, so second-time buyers can use it to buy again with a smaller deposit.
There’s no single score required, but lenders typically look for a clean credit history when considering high-LTV mortgages. If you’ve had issues in the past, speaking to a specialist broker can help you find lenders who are more flexible.
Usually, yes. Because they’re higher risk to lenders, rates tend to be higher than products at 90% LTV or below. A broker can compare the whole market to help you find the most competitive deal.
A mortgage advisor will search the market for you and recommend the best deal based on your situation. They do more than compare rates. They understand lender criteria, manage the paperwork, and know how to get complex cases approved. With expertise in specialist mortgages and strong lender relationships, they save you time, reduce the risk of rejection, and often access deals not available directly.