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95% Loan To Value (LTV) mortgages

A 95% mortgage allows you to borrow up to 95% of the value of the property you want to purchase, this high loan to value mortgage is Ideal for those looking to get on property ladder or for any homeowners with a small deposit.

95 %

Repayment
Repay both the amount borrowed and the interest, so over time you pay back the loan.

Interest only
Only pay back the interest. That means lower monthly costs but your repayments alone will not pay back the loan.

Repayment
Repay both the amount borrowed and the interest, so over time you pay back the loan.

Interest only
Only pay back the interest. That means lower monthly costs but your repayments alone will not pay back the loan.

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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Fixed until 01/11/2018
Initial rate
2.6%then 4.54% (variable)
Fees
£505fees
Overall cost
4.3%APRC
Monthly cost
£725.87 for 24 months then £880.58 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 150% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £260,967 includes: Loan amount (£160,000); Interest (£100,462); Valuation fee (£275); Legal fee (£150); Funds transfer fee (£30); Mortgage discharge fee (£50); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 01/11/2018
Initial rate
2.6%then 4.54% (variable)
Fees
£505fees
Overall cost
4.3%APRC
Monthly cost
£725.87 for 24 months then £880.58 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 150% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £260,967 includes: Loan amount (£160,000); Interest (£100,462); Valuation fee (£275); Legal fee (£150); Funds transfer fee (£30); Mortgage discharge fee (£50); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 01/11/2018
Initial rate
2.6%then 4.54% (variable)
Fees
£505fees
Overall cost
4.3%APRC
Monthly cost
£725.87 for 24 months then £880.58 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 150% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £260,967 includes: Loan amount (£160,000); Interest (£100,462); Valuation fee (£275); Legal fee (£150); Funds transfer fee (£30); Mortgage discharge fee (£50); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 30/09/2018
Initial rate
2.74%then 4.74% (variable)
Fees
£735fees
Overall cost
4.5%APRC
Monthly cost
£737.28 for 24 months then £898.47 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England
  • Aged 18 or older
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £266,406 includes: Loan amount (£160,000); Interest (£105,671); Application fee (£150); Valuation fee (£350); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
2.99%then 3.74% (variable)
Fees
£115fees
Overall cost
3.7%APRC
Monthly cost
£757.91 for 24 months then £817.22 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 105% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £243,858 includes: Loan amount (£160,000); Interest (£83,743); Funds transfer fee (£35); Mortgage discharge fee (£80); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 30/09/2018
Initial rate
3.04%then 4.94% (variable)
Fees
£520fees
Overall cost
4.7%APRC
Monthly cost
£762.07 for 24 months then £917.67 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No repossessions
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £272,086 includes: Loan amount (£160,000); Interest (£111,566); Valuation fee (£290); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£75); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 30/09/2019
Initial rate
3.09%then 4.99% (variable)
Fees
£610fees
Overall cost
4.6%APRC
Monthly cost
£766.25 for 36 months then £916.18 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No arrears
  • No defaults
  • No repossessions
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £270,066 includes: Loan amount (£160,000); Interest (£109,456); Valuation fee (£290); Legal fee (£155); Funds transfer fee (£25); Mortgage discharge fee (£90); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 30/09/2018
Initial rate
3.09%then 5.64% (variable)
Fees
£787fees
Overall cost
5.3%APRC
Monthly cost
£766.25 for 24 months then £979.28 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £289,459 includes: Loan amount (£160,000); Interest (£128,672); Booking fee (£199); Valuation fee (£295); Legal fee (£118); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 30/09/2019
Initial rate
3.09%then 5.29% (variable)
Fees
£1,474fees
Overall cost
4.8%APRC
Monthly cost
£766.25 for 36 months then £941.19 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £277,533 includes: Loan amount (£160,000); Interest (£116,059); Application fee (£799); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 30/09/2019
Initial rate
3.09%then 5.29% (variable)
Fees
£1,474fees
Overall cost
4.8%APRC
Monthly cost
£766.25 for 36 months then £941.19 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £277,533 includes: Loan amount (£160,000); Interest (£116,059); Application fee (£799); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
3.19%then 3.99% (variable)
Fees
£550fees
Overall cost
3.9%APRC
Monthly cost
£774.64 for 24 months then £838.82 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 120% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £250,657 includes: Loan amount (£160,000); Interest (£90,107); Valuation fee (£330); Funds transfer fee (£25); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 30/09/2019
Initial rate
3.19%then 4.99% (variable)
Fees
£610fees
Overall cost
4.6%APRC
Monthly cost
£774.64 for 36 months then £917.22 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No arrears
  • No defaults
  • No repossessions
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £270,643 includes: Loan amount (£160,000); Interest (£110,033); Valuation fee (£290); Legal fee (£155); Funds transfer fee (£25); Mortgage discharge fee (£90); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/09/2019
Initial rate
3.24%then 4.54% (variable)
Fees
£714fees
Overall cost
4.3%APRC
Monthly cost
£778.86 for 36 months then £880.83 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • No defaults
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £261,292 includes: Loan amount (£160,000); Interest (£100,578); Valuation fee (£430); Legal fee (£154); Funds transfer fee (£30); Mortgage discharge fee (£75); Deeds release fee (£25); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/09/2019
Initial rate
3.24%then 4.54% (variable)
Fees
£839fees
Overall cost
4.3%APRC
Monthly cost
£778.86 for 36 months then £880.83 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • No defaults
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £261,417 includes: Loan amount (£160,000); Interest (£100,578); Booking fee (£125); Valuation fee (£430); Legal fee (£154); Funds transfer fee (£30); Mortgage discharge fee (£75); Deeds release fee (£25); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 30/09/2018
Initial rate
3.28%then 5.29% (variable)
Fees
£485fees
Overall cost
5.0%APRC
Monthly cost
£782.24 for 24 months then £949.74 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £281,388 includes: Loan amount (£160,000); Interest (£120,903); Valuation fee (£230); Legal fee (£105); Funds transfer fee (£20); Mortgage discharge fee (£90); Deeds release fee (£40); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
3.29%then 3.99% (variable)
Fees
£550fees
Overall cost
4.0%APRC
Monthly cost
£783.09 for 24 months then £839.45 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 120% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £251,032 includes: Loan amount (£160,000); Interest (£90,482); Valuation fee (£330); Funds transfer fee (£25); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 30/09/2019
Initial rate
3.29%then 5.29% (variable)
Fees
£675fees
Overall cost
4.9%APRC
Monthly cost
£783.09 for 36 months then £943.32 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £277,902 includes: Loan amount (£160,000); Interest (£117,227); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 30/09/2019
Initial rate
3.29%then 5.29% (variable)
Fees
£675fees
Overall cost
4.9%APRC
Monthly cost
£783.09 for 36 months then £943.32 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £277,902 includes: Loan amount (£160,000); Interest (£117,227); Valuation fee (£300); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£50); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/06/2019
Initial rate
3.29%then 4.99% (variable)
Fees
£1,008fees
Overall cost
4.8%APRC
Monthly cost
£783.09 for 24 months then £923.70 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No arrears
  • No defaults
  • No repossessions
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/06/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £274,745 includes: Loan amount (£160,000); Interest (£113,737); Booking fee (£199); Application fee (£199); Valuation fee (£290); Legal fee (£155); Funds transfer fee (£25); Mortgage discharge fee (£90); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 01/12/2018
Initial rate
3.29%then 5.74% (variable)
Fees
£1,574fees
Overall cost
5.4%APRC
Monthly cost
£783.09 for 24 months then £989.68 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No repossessions
  • Up to 95% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £293,520 includes: Loan amount (£160,000); Interest (£131,946); Booking fee (£199); Application fee (£800); Valuation fee (£355); Legal fee (£50); Funds transfer fee (£30); Mortgage discharge fee (£140); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Frequently asked questions

A 95% LTV mortgage is one of the highest loan-to-value ratio mortgages available, but how do they work and what should you be aware of?

What is 95% loan-to-value mortgage?

The loan-to-value ratio describes how much you are borrowing in relation to the price of your house.

For example, if you borrow £90,000 for a house costing £100,000, then your loan-to-value ratio is 95,000/100,000, or 95%.

Why does loan-to-value matter?

The loan-to-value ratio is a huge factor for lenders to decide how much they can lend you, and at what rate.

If you borrow more in relation to your house value then you are a higher risk for the lender, as there’s more for you to pay back.

That also means there’s more risk for you, the borrower. The more you borrow the more you have to pay back and, crucially, the more interest you will eventually pay over the lifetime of the mortgage.

The availability of 95% mortgages

Due to the risks involved for lenders, 95% LTV mortgages tend to be less available than lower ratio mortgages.

However, 95% mortgages have seen somewhat of a resurgence as the Bank of England’s interest rates remain low and the lenders can borrow for less.

Looking for a different LTV?

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