95% LTV Mortgages
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.
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95% LTV Mortgage Advice
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 to see where you stand. It is one of the most accessible routes onto the property ladder for first-time buyers 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.
Read our full guide here
Our complete guide covers how 95% LTV mortgages work, which lenders offer them, and how to strengthen your application when borrowing with a small deposit.
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