95% LTV | 5% Deposit Mortgages From 2.59% Fixed | moneyfacts.co.uk
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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.

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Compare Mortgage Loan To Value (LTV)

Best 95% LTV Mortgages

Best 95% LTV Mortgages

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  • Scottish BS Discounted Variable
    Rate
    2.59%
    2.59% Discounted Variable for 3 years (2.35% disc)
    reverting to 4.94%
    APRC
    4.5%
    Max LTV
    95%
    Product Fees
    £995.00
    Initial Payment
    £761.31
    Total Over
    Speak To A Broker
  • Buckinghamshire BS Discounted Variable
    Rate
    2.74%
    2.74% Discounted Variable (collared at 2.74%) for 2 years (2.00% disc)
    reverting to 4.74%
    APRC
    4.5%
    Max LTV
    100%
    Product Fees
    £0.00
    Initial Payment
    £774.14
    Total Over
    Speak To A Broker
  • Scottish BS Discounted Variable
    Rate
    2.79%
    2.79% Discounted Variable for 3 years (2.15% disc)
    reverting to 4.94%
    APRC
    4.5%
    Max LTV
    95%
    Product Fees
    £0.00
    Initial Payment
    £778.45
    Total Over
    Speak To A Broker
  • Barclays Mortgage Fixed
    Rate
    2.85%
    2.85% Fixed to 31/10/2025
    reverting to 2.59% Variable
    APRC
    2.7%
    Max LTV
    95%
    Product Fees
    £0.00
    Initial Payment
    £783.63
    Total Over
    Speak To A Broker
  • Family Building Society Fixed
    Rate
    2.99%
    2.99% Fixed to 30/11/2025
    reverting to 4.39%
    APRC
    3.9%
    Max LTV
    95%
    Product Fees
    £599.00
    Initial Payment
    £795.80
    Total Over
    Speak To A Broker
  • Buckinghamshire BS Discounted Variable
    Rate
    2.99%
    2.99% Discounted Variable (collared at 2.99%) for 3 years (1.75% disc)
    reverting to 4.74%
    APRC
    4.4%
    Max LTV
    100%
    Product Fees
    £850.00
    Initial Payment
    £795.80
    Total Over
    Speak To A Broker
  • Barclays Mortgage Fixed
    Rate
    3.05%
    3.05% Fixed to 31/10/2025
    reverting to 2.59% Variable
    APRC
    2.8%
    Max LTV
    100%
    Product Fees
    £0.00
    Initial Payment
    £801.05
    Total Over
    Speak To A Broker
  • Mansfield BS Discounted Variable
    Rate
    3.05%
    3.05% Discounted Variable for 3 years (2.30% disc)
    reverting to 5.35%
    APRC
    4.9%
    Max LTV
    100%
    Product Fees
    £199.00
    Initial Payment
    £801.05
    Total Over
    Speak To A Broker
  • Scottish BS Fixed
    Rate
    3.19%
    3.19% Fixed for 3 years
    reverting to 4.94%
    APRC
    4.7%
    Max LTV
    95%
    Product Fees
    £995.00
    Initial Payment
    £813.38
    Total Over
    Speak To A Broker
  • Furness BS Fixed
    Rate
    3.29%
    3.29% Fixed for 2 years
    reverting to 5.14% Variable
    APRC
    4.9%
    Max LTV
    95%
    Product Fees
    £0.00
    Initial Payment
    £822.25
    Total Over
    Speak To A Broker
Representative Example
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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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.

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

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