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Why are you looking for a mortgage?

You have a 95% loan-to-value (LTV). We found 10 results for you
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Loughborough 2 year discount

Initial rate
3.1% for 2 years
Fees
£0
APRC
5% overall cost
Monthly cost
£1275.28 for 24 months
Enquire
Representative example:

Repayment mortgage of £266,000 over 25 years, representative APRC 5%. Repayments: 24 months of £1,275.28 at 3.1% (discount), then 276 months of £1,584.11 at 5.34% (variable). Total amount payable £467,821.08 which includes interest of £201,821.08. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 80 years

Additional criteria may apply.

Loughborough 3 year fixed

Initial rate
3.49% for 3 years
Fees
£0
APRC
4.9% overall cost
Monthly cost
£1330.23 for 36 months
Representative example:

Repayment mortgage of £266,000 over 25 years, representative APRC 4.9%. Repayments: 36 months of £1,330.23 at 3.49% (fixed), then 264 months of £1,578.76 at 5.34% (variable). Total amount payable £464,680.92 which includes interest of £198,680.92. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 80 years

Additional criteria may apply.

Available via brokers only.

Digital Mortgages 2 year fixed remortgage

Initial rate
3.94% until 31 Jul 2023
Fees
£0
APRC
3.6% overall cost
Monthly cost
£1395.25 for 27 months
Representative example:

Repayment mortgage of £266,000 over 25 years, representative APRC 3.6%. Repayments: 24 months of £1,395.25 at 3.94% (fixed), then 276 months of £1,335.82 at 3.5% (variable). Total amount payable £402,172.32 which includes interest of £136,172.32. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Max age at term end: 80 years

Minimum income £16,000

Remortgage only.

Available via brokers only.

Additional criteria may apply.

Area restrictions may apply.

Furness Building Society 2 year fixed

Initial rate
3.99% for 2 years
Fees
£0
APRC
5% overall cost
Monthly cost
£1402.58 for 24 months
Representative example:

Repayment mortgage of £266,000 over 25 years, representative APRC 5%. Repayments: 24 months of £1,402.58 at 3.99% (fixed), then 276 months of £1,565.09 at 5.14% (variable). Total amount payable £465,626.76 which includes interest of £199,626.76. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are older than 18 years

Available Direct.

Max age at term end: 80 years

Area restrictions may apply.

Additional criteria may apply.

Available via brokers only.

Digital Mortgages 5 year fixed remortgage

Initial rate
4.04% until 31 Jul 2026
Fees
£0
APRC
3.8% overall cost
Monthly cost
£1409.93 for 63 months
Representative example:

Repayment mortgage of £266,000 over 25 years, representative APRC 3.8%. Repayments: 60 months of £1,409.93 at 4.04% (fixed), then 240 months of £1,344.70 at 3.5% (variable). Total amount payable £407,323.80 which includes interest of £141,323.80. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Max age at term end: 80 years

Minimum income £16,000

Remortgage only.

Available via brokers only.

Additional criteria may apply.

Available via brokers only.

Digital Mortgages 2 year fixed cashback remortgage

Initial rate
4.09% until 31 Jul 2023
Fees
£0
APRC
3.7% overall cost
Monthly cost
£1417.30 for 27 months
Representative example:

Repayment mortgage of £266,000 over 25 years, representative APRC 3.7%. Repayments: 24 months of £1,417.30 at 4.09% (fixed), then 276 months of £1,337.19 at 3.5% (variable). Total amount payable £403,079.64 which includes interest of £137,079.64. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Max age at term end: 80 years

Minimum income £16,000

Remortgage only.

Available via brokers only.

Additional criteria may apply.

Available via brokers only.

Digital Mortgages 5 year fixed cashback remortgage

Initial rate
4.14% until 31 Jul 2026
Fees
£0
APRC
3.8% overall cost
Monthly cost
£1424.69 for 63 months
Representative example:

Repayment mortgage of £266,000 over 25 years, representative APRC 3.8%. Repayments: 60 months of £1,424.69 at 4.14% (fixed), then 240 months of £1,347.06 at 3.5% (variable). Total amount payable £408,775.80 which includes interest of £142,775.80. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Max age at term end: 80 years

Minimum income £16,000

Remortgage only.

Available via brokers only.

Additional criteria may apply.

Available in branch only.

Danske Bank 2 year fixed cashback remortgage for properties in Northern Ireland

Initial rate
4.65% until 03 Jul 2023
Fees
£0
APRC
3.6% overall cost
Monthly cost
£1501.25 for 26 months
Representative example:

Repayment mortgage of £266,000 over 25 years, representative APRC 3.6%. Repayments: 24 months of £1,501.25 at 4.65% (fixed), then 276 months of £1,315.49 at 3.3% (variable). Total amount payable £399,105.24 which includes interest of £133,105.24. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of Northern Ireland

Are older than 18 years

Available Direct.

Remortgage only.

Available in branch only.

Additional criteria may apply.

Available in branch only.

Danske Bank 5 year fixed cashback remortgage for properties in Northern Ireland

Initial rate
4.65% until 01 Jul 2026
Fees
£0
APRC
3.9% overall cost
Monthly cost
£1501.25 for 62 months
Representative example:

Repayment mortgage of £266,000 over 25 years, representative APRC 3.9%. Repayments: 60 months of £1,501.25 at 4.65% (fixed), then 240 months of £1,334.82 at 3.3% (variable). Total amount payable £410,431.80 which includes interest of £144,431.80. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of Northern Ireland

Are older than 18 years

Available Direct.

Remortgage only.

Available in branch only.

Additional criteria may apply.

Available in branch only.

Danske Bank term BBR tracker cashback remortgage for properties in Northern Ireland

Initial rate
4.79% for mortgage term
Fees
£0
APRC
4.9% overall cost
Monthly cost
£1522.64 for 300 months
Representative example:

Repayment mortgage of £266,000 over 25 years, representative APRC 4.9%. Repayments: 300 months of £1,522.64 at 4.79% (bbr tracker). Total amount payable £456,792.00 which includes interest of £190,792.00. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of Northern Ireland

Are older than 18 years

Available Direct.

Remortgage only.

Available in branch only.

Additional criteria may apply.

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?

Uswitch is authorised and regulated by the Financial Conduct Authority (FRN 312850) to provide this mortgage comparison service.

Uswitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.