95% LTV Mortgages
Got a 5% deposit saved? See which lenders still write 95% LTV deals.
Why 95% ltv?
A 95% loan-to-value mortgage (a loan for 95% of the property price) lets you buy with a 5% deposit. On a home worth £250,000, you put down £12,500 rather than the £25,000 a 90% LTV deal would ask for. Our [LTV calculator](/calculators/ltv) shows you where your own numbers land. For [first-time buyers](/mortgage-types/first-time-buyer-mortgages) who have not managed to save a large deposit, this is one of the more realistic ways onto the property ladder.
Rates on a 95% LTV mortgage sit a little above the lower LTV bands, but the deals themselves are widely available again. Lenders have grown more comfortable with high LTV lending, helped along by government-backed support such as the Mortgage Guarantee Scheme, and plenty of high street and specialist names now compete for this business.
At Clearview Mortgage Solutions, our advisers keep track of who is writing the best 95% LTV deals and how to put your application together so it stands the best chance. We will walk you through what the mortgage actually costs and match you to something your budget can carry.
Key facts
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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.
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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 a 5% deposit mortgage works, who lends at this level, and what happens when you apply.
ReadMortgage guarantee scheme explained
How the government-backed scheme nudges lenders to offer 95% LTV mortgages, and what it means for you.
ReadSaving for a small deposit
Ways to build a 5% deposit faster, from the Lifetime ISA to a gifted deposit and a workable budget.
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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Clear communication, realistic timelines, and the right product — not just the lowest headline rate.