95% LTV Mortgages For First Time Buyers

Home Mortgages First-Time Buyer mortgages 95% LTV

The mortgages below show the best 95% LTV mortgage rates available to first-time buyers. 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 a first-time buyer you can also search for remortgages and moving home 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%

The friendly mortgage advisers at Mortgage Advice Bureau can help get you on the property ladder. We can help you save for a deposit, get an Agreement in Principle and advise on the most affordable mortgage that fits your needs. 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.

Our comparison tables make it easy to find the best 95% LTV mortgage for you. At the top of the tables you’ll find our direct deals - This is where you can simply click on the ‘Go To Provider’s Site’ button for a hassle-free way to get more info and apply direct to the lender. Underneath these are all the other 95% LTV products currently in the market place. To reorder the whole table into rate order, just untick the box at the top of the search table.

Since you only need to have a 5% deposit, 95% LTV mortgages are very popular with first time buyers. The advantage to these is that they tend to have better interest rates than 100% LTV mortgages. However, it’s still important to shop around to ensure that you are getting the best deal for your needs.

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

95% LTV mortgage deals are those where you can lay down a 5% deposit on the property you intend to purchase – with the lender providing the remaining 95% of the total cost. The LTV element refers to Loan-To-Value – hence 95% LTV mortgages are where the lender is advancing 95% of the house purchase price.

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95% LTV First-Time Buyer Mortgages

Compare 95% LTV first-time buyer mortgages

Best 95% LTV Buy-To-let Rates

Best 95% LTV Buy-To-let Rates

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How our Best 95% LTV mortgage comparison works

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