95% LTV Mortgages For First Time Buyers | moneyfacts.co.uk
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95% LTV First-Time Buyer Mortgages

Compare 95% LTV first-time buyer mortgages

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.

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Best 95% LTV Buy-To-let Rates

Best 95% LTV Buy-To-let Rates

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  • 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
  • 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 31/01/2026
    reverting to 2.59% Variable (collared at 2.49%)
    APRC
    2.8%
    Max LTV
    95%
    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
  • 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
  • Tipton & Coseley BS Fixed
    Rate
    3.09%
    3.09% Fixed to 30/11/2025
    reverting to 4.94%
    APRC
    4.3%
    Max LTV
    99%
    Product Fees
    £0.00
    Initial Payment
    £804.56
    Total Over
    Speak To A Broker
  • Tipton & Coseley BS Fixed
    Rate
    3.09%
    3.09% Fixed to 30/11/2025
    reverting to 4.94%
    APRC
    4.3%
    Max LTV
    99%
    Product Fees
    £0.00
    Initial Payment
    £804.56
    Total Over
    Speak To A Broker
  • Barclays Mortgage Fixed
    Rate
    3.25%
    3.25% Fixed to 31/01/2026
    reverting to 2.59% Variable (collared at 2.49%)
    APRC
    2.9%
    Max LTV
    100%
    Product Fees
    £0.00
    Initial Payment
    £818.69
    Total Over
    Speak To A Broker
  • Family Building Society Fixed
    Rate
    3.29%
    3.29% Fixed to 31/03/2026
    reverting to 4.39%
    APRC
    4.0%
    Max LTV
    95%
    Product Fees
    £599.00
    Initial Payment
    £822.25
    Total Over
    Speak To A Broker
  • Tipton & Coseley BS Discounted Variable
    Rate
    3.39%
    3.39% Discounted Variable (collared at 2.99%) (1.55% disc)
    APRC
    3.5%
    Max LTV
    100%
    Product Fees
    £0.00
    Initial Payment
    £831.17
    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

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.

How our Best 95% LTV mortgage comparison works

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.

How to choose the Best 95% LTV mortgage deal for you

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.

What are the Best 95% LTV mortgages?

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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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