95% LTV Mortgages - Best Mortgage Rates | moneyfacts.co.uk

95% LTV Mortgages

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Searching all 4968 mortgages, the following best match your search criteria and are displayed in order of lowest initial rate.

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Rate APRC Mortgage Type Product Fees Initial Monthly Payment Total Amount Repayable Apply Today

2.55% reverting to 2.99% 2.9% Fixed to 31/07/2021 None £1,071.46 £333,992 Details...
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Representative Example: 38 monthly payments of £1071.46 and 262 monthly payments of £1118.88. Total interest of £96,362, valuation fees of £0 and product fees of £0.

2.75% reverting to 2.99% 3.0% Fixed to 31/07/2021 None £1,095.61 £335,649 Details...
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Representative Example: 38 monthly payments of £1095.61 and 262 monthly payments of £1121.70. Total interest of £98,019, valuation fees of £0 and product fees of £0.

2.79% reverting to 4.99% 4.5% Discounted Variable to 3 Years None £1,100.48 £397,861 Details...
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Representative Example: 36 monthly payments of £1100.48 and 264 monthly payments of £1355.24. Total interest of £159,901, valuation fees of £260 and product fees of £0.

2.79% reverting to 5.14% 4.7% Discounted Variable to 3 Years £799 £1,100.48 £403,465 Details...
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Representative Example: 36 monthly payments of £1100.48 and 264 monthly payments of £1373.67. Total interest of £164,766, valuation fees of £250 and product fees of £799.

2.89% reverting to 4.79% 4.4% Fixed to 31/08/2021 £599 £1,112.71 £391,509 Details...
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Representative Example: 39 monthly payments of £1112.71 and 261 monthly payments of £1330.13. Total interest of £153,060, valuation fees of £175 and product fees of £599.

2.89% reverting to 5.49% 5.1% Discounted Variable to 2 Years £199 £1,112.71 £422,378 Details...
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Representative Example: 24 monthly payments of £1112.71 and 276 monthly payments of £1431.70. Total interest of £184,354, valuation fees of £180 and product fees of £199.

2.89% reverting to 5.49% 5.1% Discounted Variable to 2 Years £199 £1,112.71 £422,378 Details...
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Representative Example: 24 monthly payments of £1112.71 and 276 monthly payments of £1431.70. Total interest of £184,354, valuation fees of £180 and product fees of £199.

2.89% reverting to 5.49% 5.1% Discounted Variable to 2 Years £199 £1,112.71 £422,378 Details...
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Representative Example: 24 monthly payments of £1112.71 and 276 monthly payments of £1431.70. Total interest of £184,354, valuation fees of £180 and product fees of £199.

2.89% reverting to 5.49% 5.1% Discounted Variable to 2 Years £199 £1,112.71 £422,378 Details...
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Representative Example: 24 monthly payments of £1112.71 and 276 monthly payments of £1431.70. Total interest of £184,354, valuation fees of £180 and product fees of £199.

2.89% reverting to 5.95% 5.5% Fixed to 31/07/2020 £1,487 £1,112.71 £438,880 Details...
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Representative Example: 26 monthly payments of £1112.71 and 274 monthly payments of £1490.01. Total interest of £199,693, valuation fees of £0 and product fees of £1487.

2.89% reverting to 5.49% 5.1% Fixed to 01/08/2020 £999 £1,112.71 £421,819 Details...
Representative Example: 26 monthly payments of £1112.71 and 274 monthly payments of £1429.56. Total interest of £183,130, valuation fees of £0 and product fees of £999.

2.95% reverting to 5.19% 4.4% Discounted Variable to 5 Years None £1,120.09 £393,820 Details...
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Representative Example: 60 monthly payments of £1120.09 and 240 monthly payments of £1360.29. Total interest of £156,175, valuation fees of £0 and product fees of £0.

2.99% reverting to 4.99% 4.7% Discounted Variable to 31/07/2020 £495 £1,125.02 £404,290 Details...
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Representative Example: 26 monthly payments of £1125.02, 36 monthly payments of £1366.43 and 238 monthly payments of £1366.44. Total interest of £166,155, valuation fees of £0 and product fees of £495.

2.99% reverting to 5.24% 4.8% Discounted Variable to 3 Years None £1,125.02 £407,620 Details...
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Representative Example: 36 monthly payments of £1125.02 and 264 monthly payments of £1389.26. Total interest of £169,765, valuation fees of £205 and product fees of £0.

2.99% reverting to 5.24% 4.4% Discounted Variable to 5 Years £125 £1,125.02 £395,909 Details...
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Representative Example: 60 monthly payments of £1125.02 and 240 monthly payments of £1367.01. Total interest of £158,084, valuation fees of £0 and product fees of £125.
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Disclaimer:

Credit will be secured by a mortgage on your property. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Written quotations are available from individual lenders. Loans are subject to status and valuation and are not available to persons under the age of 18. All rates are subject to change without notice. Please check all rates and terms with your lender or financial adviser before undertaking any borrowing.

 

What does LTV mean?

The LTV (or loan-to-value) refers to the amount of loan you’re looking for in relation to the overall value of your property. The percentage figure is used to reflect the proportion of the property that’s mortgaged and the amount that’s yours (known as your “equity”).

A mortgage at 95% LTV will result in a loan that’s worth 95% of the value of your property – meaning that 95% of the property will be mortgaged, and you’ll have 5% equity.

The LTV also determines the amount of deposit you’ll need. If you applied for a mortgage at 95% LTV you’d need to put down a 5% deposit, while if you were seeking a mortgage at a lower or higher LTV, the requirements would alter. The LTV you need will ultimately be based on your circumstances, the price of the property, and the amount of deposit you’ve been able to save.

 

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