Compare 95% LTV | 5% Deposit Mortgages | moneyfacts.co.uk

Moneyfacts.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfacts.co.uk will always be from news@moneyfacts-news.co.uk. Be Scamsmart.

keys icon

95% LTV Moving Home Mortgages

Compare the best 95% LTV moving home 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.

Advertisement

Compare Mortgages

Best 95% LTV Mortgages

Best 95% LTV Mortgages

We are searching our databases for your products...

  • HSBC Fixed
    Rate
    2.99%
    2.99% Fixed to 31/07/2024
    reverting to 4.04%
    APRC
    4.0%
    Max LTV
    95%
    Product Fees
    £999.00
    Initial Payment
    £795.80
    Total Over
    Go To Provider's Site
  • first direct Fixed
    Rate
    3.14%
    3.14% Fixed for 2 years
    reverting to 4.04%
    APRC
    4.0%
    Max LTV
    95%
    Product Fees
    £0.00
    Initial Payment
    £808.96
    Total Over
    Go To Provider's Site
  • HSBC Fixed
    Rate
    3.19%
    3.19% Fixed to 31/07/2027
    reverting to 4.04%
    APRC
    3.8%
    Max LTV
    95%
    Product Fees
    £999.00
    Initial Payment
    £813.38
    Total Over
    Go To Provider's Site
  • HSBC Fixed
    Rate
    3.19%
    3.19% Fixed to 31/07/2025
    reverting to 4.04%
    APRC
    3.9%
    Max LTV
    95%
    Product Fees
    £999.00
    Initial Payment
    £813.38
    Total Over
    Go To Provider's Site
  • HSBC Fixed
    Rate
    3.19%
    3.19% Fixed to 31/07/2024
    reverting to 4.04%
    APRC
    4.0%
    Max LTV
    95%
    Product Fees
    £0.00
    Initial Payment
    £813.38
    Total Over
    Go To Provider's Site
  • first direct Fixed
    Rate
    3.24%
    3.24% Fixed for 5 years
    reverting to 4.04%
    APRC
    3.8%
    Max LTV
    95%
    Product Fees
    £0.00
    Initial Payment
    £817.80
    Total Over
    Go To Provider's Site
  • HSBC Fixed
    Rate
    3.24%
    3.24% Fixed to 31/07/2027
    reverting to 4.04%
    APRC
    3.8%
    Max LTV
    95%
    Product Fees
    £0.00
    Initial Payment
    £817.80
    Total Over
    Go To Provider's Site
  • Access exclusive rates

    Mortgage brokers can help you access exclusive products and rates

    Find a Conveyancer

    Whether you’re buying or selling, you’ll need to instruct a conveyancer. 

    How much can I borrow? 

    Find out how much you could borrow on a mortgage using our calculator. 

    Access exclusive rates

    Mortgage brokers can help you access exclusive products and rates

    Find a Conveyancer

    Whether you’re buying or selling, you’ll need to instruct a conveyancer. 

    How much can I borrow? 

    Find out how much you could borrow on a mortgage using our calculator. 

    Access exclusive rates

    Mortgage brokers can help you access exclusive products and rates

    Find a Conveyancer

    Whether you’re buying or selling, you’ll need to instruct a conveyancer. 

    How much can I borrow? 

    Find out how much you could borrow on a mortgage using our calculator. 

  • HSBC Fixed
    Rate
    3.24%
    3.24% Fixed to 31/07/2025
    reverting to 4.04%
    APRC
    3.9%
    Max LTV
    95%
    Product Fees
    £0.00
    Initial Payment
    £817.80
    Total Over
    Go To Provider's Site
  • Barclays Mortgage Fixed
    Rate
    3.35%
    3.35% Fixed to 31/08/2024
    reverting to 4.49%
    APRC
    4.4%
    Max LTV
    95%
    Product Fees
    £0.00
    Initial Payment
    £827.59
    Total Over
    Go To Provider's Site
  • Barclays Mortgage Fixed
    Rate
    3.50%
    3.50% Fixed to 31/08/2027
    reverting to 3.49% Variable (collared at 2.49%)
    APRC
    3.6%
    Max LTV
    95%
    Product Fees
    £0.00
    Initial Payment
    £841.05
    Total Over
    Go To Provider's Site
Representative Example
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.

95% LTV mortgages explained

At a glance

  • The LTV is the percentage of the mortgage you need to borrow against the total value of the property you are buying.
  • 95% LTV mortgages for first-time buyers can be a useful way to get on the property ladder as they require only 5% deposit.
  • These types of lower deposit mortgages generally have higher interest rates than the lower LTV alternatives.
  • Our tables below allow you to compare 95% LTV mortgages, so you can understand how much you would pay each month and any fees connected to applying for the mortgage.
  • Don't forget the additional upfront costs of buying a home, such as stamp duty and any solicitor's fees.

Choosing the best 95% LTV mortgages

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. 

Advantages of 95% LTV mortgages

  • 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.

Should I speak to a mortgage broker?

Mortgage brokers remove a lot of the paperwork and hassle of getting a mortgage, as well as helping you access exclusive products and rates that aren’t available to the public. Mortgage brokers are regulated by the Financial Conduct Authority (FCA) and are required to pass specific qualifications before they can give you advice.

 

Speak to an award-winning mortgage broker today

 

Moneyfacts.co.uk partner with Mortgage Advice Bureau

 

Get friendly, expert advice free of charge as a visitor of moneyfacts.co.uk.

Mortgage Advice Bureau have 1,600 UK advisers with 150 awards between them.

Speak to an award-winning mortgage broker today.

Call 0808 149 9177 or request a callback

Mortgage Advice Bureau offers fee free mortgage advice for Moneyfacts visitors that call on 0808 149 9177. If you contact Mortgage Advice Bureau outside of these channels you may incur a fee of up to 1%. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 1pm excluding bank holidays. Calls may be recorded.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Disadvantages of 95% LTV mortgages

  • 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.

Check your credit score

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

Moneyfacts tip

Moneyfacts tip Leanne Macardle

If you’re still not sure what kind of mortgage is right for you, you could consider using a mortgage broker. Not only can they provide valuable advice, but they may also have access to 95% LTV mortgage deals that are not available directly on the Moneyfacts charts.

Compare 95% Mortgages

Get our weekly newsletter

Weekend Moneyfacts is available free by email to all Moneyfacts.co.uk users.

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

How Moneyfacts works

  • drawing of money scales

    BALANCED. Moneyfacts.co.uk is entirely independent and authorised by the Financial Conduct Authority for mortgage, credit and insurance products.

  • blue outline of free tag

    FREE. There is no cost to you. Our service is entirely free and you don't need to share any personal data to access our comparison tables.

  • drawing of pound sign and arrow

    TRANSPARENT. We only receive payment from product providers and intermediaries for quick/direct links and adverts through to their websites.

  • blue outline of binoculars

    COMPREHENSIVE. We research the whole market and scour the small print so you can find the best products for your needs.

Top mortgage guides

Read More Mortgage Guides
guides icon
Should I use a mortgage broker?

A mortgage broker specialises in finding mortgage lenders who will meet your needs for a mortgage. They do this by providing you with advice and recommending the mortgages most suitable for you. They will then manage completing your mortgage application.

Mortgage brokers remove a lot of the paperwork and hassle of getting a mortgage, as well as helping you access exclusive rates.

Read More
guides icon
Mortgage valuations are not in-depth surveys

For a more comprehensive evaluation of a property, you should choose a home buyer report or the more detailed full structural survey. Our helpful guide explains the differences.

For a more comprehensive valuation of a property, you should choose a home buyer report or a detailed structural survey. Our guide explains the differences.

Read More
guides icon
What income can I use for a mortgage application?

To get an accurate affordability check you'll want to know what counts as income, so you can declare everything you have to offer. Our helpful guide explains.

To get an accurate affordability check you'll want to know what counts as income, so you can declare everything you have to offer. Our helpful guide explains.

Read More
guides icon
What fees do I need to pay when getting a mortgage?

There can be many different fees involved when getting a mortgage. From booking fees to CHAPS fees, our helpful guide explains everything you need to know.

There can be many different fees involved when getting a mortgage. From booking fees to CHAPS fees, our helpful guide explains everything you need to know.

Read More

Ask us anything

Cookies

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

I accept. Read our Cookie Policy