Compare 95% LTV | 5% Deposit Mortgages

Home Mortgages 95 LTV Mortgages

The mortgages below show the best mortgage rates available for those who are moving home and are looking for an 95% LTV mortgage deal. You can personalise the chart below by adding the value of the property you want to buy and the value of the mortgage you want to get.
If you're not moving home you can also search for remortgages and first-time buyer mortgages.

Your Mortgages

I'm

Remortgaging

Buy to Let

Moving Home

First Time Buyer

I need to borrow

on a property valued at

Giving an LTV of %

repaying

Capital & Interest

Interest Only

over a term of

years

Filters

Mortgage Type

Fixed

Variable

Tracker

Capped

Discounted Variable

Initial Rate Period

1 Year

2 Years

3 Years

4 Years

5+ Years

10+ Years

Term

Region

England

Scotland

Wales

Northern Ireland

All

I would like to see the total amount I will pay over

1 Year

2 Years

3 Years

5 Years

10 Years

Term

Other Refinements

Self Build

Offset

Cashback

Flexible

3.90%

3.90% Fixed to 31/08/2023

reverting to 3.59%

3.90%

3.90% Fixed to 31/08/2023

reverting to 3.59%

3.99%

3.99% Fixed to 31/07/2026

reverting to 5.29%

We can save you time, hassle, and hopefully money too, by finding the perfect mortgage for your house move so you can be left to concentrate on the important things, like preparing for moving day. Your home may be repossessed if you do not keep up repayments on your mortgage.

4.04%

4.04% Fixed to 31/08/2026

reverting to 3.59%

4.04%

4.04% Fixed to 31/08/2026

reverting to 3.59%

4.09%

4.09% Fixed to 31/07/2026

reverting to 5.29%

2.74%

2.74% Discounted Variable (collared at 2.74%) for 2 years (2.00% disc)

reverting to 4.74%

2.99%

2.99% Discounted Variable (collared at 2.99%) for 3 years (1.75% disc)

reverting to 4.74%

3.05%

3.05% Discounted Variable for 3 years (2.30% disc)

reverting to 5.35%

3.05%

3.05% Discounted Variable for 3 years (2.30% disc)

reverting to 5.35%

Note

Mortgage Advice Bureau offers fee free mortgage advice for Moneyfacts visitors that call on 0808 149 9177 or email moneyfacts@mab.org.uk. If you contact Mortgage Advice Bureau outside of these channels you may incur a fee of up to 1%.

Any contractual relationship will be with Mortgage Advice Bureau.

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.

Quick Links

Quick links are where we have an arrangement with a provider so you can move directly from our site to theirs to view more information and apply for a product. We also use quick links where we have an arrangement with a preferred broker to move you directly to their site. Depending on the arrangement we may receive a modest commission either when you press a 'Go to Provider' or 'Speak to a Broker' button, when you call an advertised number or when you complete an application.

With an increasing number of lenders offering 95% loan-to-value (LTV) mortgages – and lowering their interest rates as a result of intensifying competition – you could find more deals available to buy a home with only a 5% deposit. View today's best rates above.

Low deposit. You only need a 5% deposit with a 95% LTV mortgage.
Potential savings each month. You may find that your monthly mortgage repayments are lower than any amount you could currently be paying for rent. However, you should remember that your total costs with interest over the term of your mortgage may be more expensive.
More choice. Lenders are increasingly offering 95% deals to meet first-time buyer mortgage demand.

Higher interest rates. Although the rates for 95% mortgages have fallen, they're still higher than the lower LTV alternatives.
Strict lending criteria. You'll need to make sure you have reviewed your affordability before applying for this mortgage.
Be careful of potential negative equity. If house price conditions change, and values fall, this could result in your house value dropping at a greater rate than you are paying off your mortgage.

Before you apply for a mortgage it's important to check your credit score.

Cookies

Moneyfacts.co.uk will, like most other websites, place cookies onto your device. This includes tracking cookies.

I accept. Read our Cookie Policy

Savings

ISAs

Guides

Featured

Calculators & guides

Residential

Buy to let

Featured

Products

Guides

Bad credit secured loans

Products

Credit repair

Calculator and Guides

Featured

Products

Guides

Featured

Other

Business

Featured guide

Investments

Guides

Featured Guide

Featured guide

Banking and Savings

Business Borrowing

Business Guides

Featured

Retirement

Guides

Featured

Featured products

Moneyfacts Group Awards

All Money and finance news

News - by products

Other Money and finance news

Categories

Featured guides

Featured

About

Legal

95% LTV Moving Home Mortgages

Compare the best 95% LTV moving home mortgages.

Best 95% LTV Mortgages

Best 95% LTV Mortgages

Update your criteria and press 'Revise Search' to search our Mortgages database

Your Mortgages

Filters

We are searching our databases for your products...

95% LTV mortgages explained

Leanne Macardle

At a glance

Choosing the best 95% LTV mortgages

Advantages of 95% LTV mortgages

Disadvantages of 95% LTV mortgages

Check your credit score

Moneyfacts tip

Get our weekly newsletter

How Moneyfacts works

Top mortgage guides

Ask us anything

Cookies

Get our weekly newsletter

Send me Weekend Moneyfacts, Savers Friend, The Business Friend and selected third-party offers.

The latest business stories, rates and deals

Send me The Business Friend, Weekend Moneyfacts, Savers Friend and selected third-party offers.