No impact on credit score
95% loan-to-value (LTV) mortgages all but disappeared in the early days of the coronavirus pandemic, but this corner of the market has recovered well since the economy was unlocked.
There are now plenty of ways to get a mortgage with 5% deposit, including government schemes, specialist mortgage products and exclusive lender deals. Read through our articles below to find out more about each of these topics, along with everything else you need to know about 95% LTV mortgages.
The place to begin for a complete rundown of the mortgage options available to people with 5% deposit, including government schemes and other alternatives.
A guide to the government schemes you can use with 5% deposit, including Help to Buy, Shared Ownership, the mortgage guarantee scheme and more.
How to get a 5% deposit mortgage in Scotland, including government schemes north of the border, guarantor mortgages and 95% LTV mortgage lenders.
Find out which lenders are currently offering 95% LTV and 5% deposit mortgages and how to get the best rates and deals from them.
Learn how to get the best interest rate and the rate deal for your needs and circumstances if you need a 5% deposit mortgage.
A guide to getting a Shared Ownership mortgage with 5% deposit, including when this is possible, how to get the best rates and more.
How to get the best deal on a 95% LTV mortgage if you’re a first time buyer and how the right broker can help with this.
How to get the best deal on a 95% LTV mortgage if you’re a second-time buyer and how the right broker can help with this.
How to get a 95% LTV mortgage with bad credit, covering how this is possible, why you need a specialist broker in your corner and more.
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*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.
Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.
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