Compare 95% LTV | 5% Deposit Mortgages

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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

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%

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.

3.05%

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

reverting to 5.35%

3.09%

3.09% Fixed to 31/01/2026

reverting to 4.94%

3.25%

3.25% Fixed to 31/05/2026

reverting to 2.59% Variable (collared at 2.49%)

3.39%

3.39% Discounted Variable (collared at 2.99%) (1.55% disc)

3.39%

3.39% Fixed to 28/02/2023

reverting to 4.74%

3.45%

3.45% Fixed to 31/05/2026

reverting to 2.59% Variable (collared at 2.49%)

3.59%

3.59% Fixed to 29/02/2024

reverting to 4.74%

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

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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.

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95% LTV Moving Home Mortgages

Compare the best 95% LTV moving home mortgages.

Best 95% LTV Mortgages

Best 95% LTV Mortgages

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95% LTV mortgages explained

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