95% LTV Mortgages
Got 5% saved? See which lenders still write 95% LTV deals.
Why 95% ltv?
A 95% loan-to-value mortgage lets you buy a home with just a 5% deposit. For a property worth £250,000, that means putting down £12,500 instead of the £25,000 you would need at 90% LTV. Use our [LTV calculator](/calculators/ltv) to see where you stand. It is one of the most accessible routes onto the property ladder for [first-time buyers](/mortgage-types/first-time-buyer-mortgages) with limited savings.
While 95% LTV mortgages come with slightly higher interest rates than lower LTV products, they have become widely available again thanks to growing lender confidence and government-backed initiatives like the Mortgage Guarantee Scheme. Many high street and specialist lenders now offer competitive deals at this level.
At Clearview Mortgage Solutions, our advisers know which lenders offer the best 95% LTV products and how to present your application to maximise your chances of approval. We will help you understand the true cost and find a deal that works for your budget.
Key facts
90+
UK lenders compared
FCA
Regulated advice
Free
Initial consultation
CeMAP
Qualified advisers
Your next moves.
The shortest path from where you are to a real mortgage offer.
Estimate your monthly cost and how much you could borrow with our 95% ltv calculator.
Open calculatorRun the numbers.
Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about 95% LTV mortgages
A guide to 95% LTV mortgages
How 5% deposit mortgages work, who offers them, and what to expect from the application process.
ReadMortgage guarantee scheme explained
How the government-backed scheme encourages lenders to offer 95% LTV mortgages and what it means for you.
ReadSaving for a small deposit
Practical strategies for building a 5% deposit faster, including ISAs, family gifts, and budgeting tips.
Read
Frequently asked.
Your first chat with an adviser is free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, and you will always know the cost upfront. You will never be charged without agreeing to it first.
Talk to a specialist.
95% ltv mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
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Higher approval confidence
Our brokers know which lenders suit first-time buyers, remortgagers, buy-to-let, and complex cases.
Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.