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15 Oct 2019

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95% Mortgages Explained

95 % Mortgage

95 % mortgages where you must provide a deposit of 5% of the purchase price.

There are some mortgage lenders that offer competitive 95% mortgages. Though due to the credit crunch this can change quote frequently.

Most lenders offer better interest rates at 90% loan to value and currently this LTV is what most lenders are happy to lend at.

Mortgage income multipliers can be lower for 95% mortgages compared with mortgage lenders income multipliers for 90% borrowing.

Pros and Cons of of 95 % Mortgages


  • You can buy a home if you have a small deposit



  • Higher interest rates compared to mortgages with a lager deposit
  • High mortgage set up costs as many 95% mortgage lenders charge a higher lending charge

95% Mortgage Lenders Maximum Borrowing

When looking at 95% best buy table it is important to realise that mortgage lenders place limits on the maximum mortgage they will advance. In many cases a purchase price over £250000 will see many of the main 95% mortgage lenders offering lower loan amounts.

Do you want fee free 95% mortgage advice?

For 95% and 90% mortgage or remortgage advise please feel free to contact us for independent mortgage advice from a professional mortgage advisor.

You may also be interested in:

We normally do not charge a fee for mortgage advice, however this is dependent on your circumstances. Our typical fee would be £500.


Think carefully before securing other debts against your home, your home may be repossessed if you do not keep up repayments on your mortgage.

Go Direct.co.uk is a trading style for website purposes of Go Direct UK Ltd.

Go Financial Services is a trading style of Go Direct UK Ltd which is an appointed representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales Company 5703224. FCA Number 456600

We normally do not charge a fee for mortgage advice, however this is dependent on your circumstances. Our typical fee would be £500

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