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Can I get a 95% LTV (loan to value) mortgage?
Can I get a 95% LTV (loan to value) mortgage?

Find out our criteria for 95% LTV mortgages, and see if you are eligible.

Alison avatar
Written by Alison
Updated over a week ago

To be eligible:

  • You will need a good credit score (no missed payments on your credit file). Follow this link to understand more about what can affect your credit score.

  • Applications with self employed and contractor customers need at least 50% of the income used to support the mortgage to come from employed income.

  • If you are an employee of the NHS and do additional bank work, this income can be considered.

  • This can not be a new build property.

The maximum amount we can lend with a 5% deposit is £500,000 or £700,000 in London and the South East.

For properties up to 90% LTV (loan to value) these are subject to our normal mortgage criteria.

We do have set criteria for any new build lending over 85% LTV and under 90% LTV (loan to value), follow this link to understand more.

How do you get that 5%?

For most, it is just not possible to pay rent, pay into a pension, repay student loans, and save for a deposit on a first home.

In fact, only 8% of non-homeowners aged 25-to-34 have enough savings to afford a 10% deposit on the average first-time buyer home in their region, according to this report.

But our deposit booster product could be the solution for you.

A deposit boost is like family Help-to-Buy: your family or friends can contribute towards your deposit and get a stake in your house. No need to ask for a handout! You repay this when you’re ready and they have the reassurance that their money is secure. They can even choose to share in any house price changes.

Please reach out to us on live chat, or via email if you have any questions.

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