Get on the property ladder with a 95% Mortgage

95% mortgages are back and this is good news for all first-time buyers with a smaller deposit who’re looking to get onto the property ladder with a 5% deposit.

With your 5% deposit you can start to potentially proceed to purchase a property but remember you will still need a good credit score and income to help secure the other 95% ie the mortgage. 

We have access to all of the 95% lenders in the market and are experienced in assisting first-time buyers through the whole house buying process from beginning to end so you always feel supported and know where you are. 

Some lenders have different rules on which type of property you can buy with a 5% deposit and with the mortgage marketing offering numerous lenders who can lend up to 95% now is a great time to speak with an experienced mortgage broker to understand your options.

Based on 25 reviews
Pat Traynor
Pat Traynor
2022-10-15
Paul was very helpful in sourcing the best equity release deal at a time of sudden increases in interest rates. He kept me Informed during the process and was always available to answer questions. I raised the money to help my daughter buy a bigger flat.
Tim Whitcher
Tim Whitcher
2022-10-09
Very professional and personable, Paul always had the time to ensure that we understood everything and that we got the best deal possible that was right for us.
Cally Bravington-Smith
Cally Bravington-Smith
2022-09-21
Paul has been exceptional during the course of this year helping us buy our next property, his support and guidance through a lengthy and tricky transaction was second to none. Paul is very personable, and unlike many other brokers would work outside the normal 9-5. Always had our best interests in the forefront. Highly recommend 🙂
Charlotte Faucher
Charlotte Faucher
2022-09-19
Benefiting from Paul's expertise to help us secure our first mortgage was very precious. Paul was always available to answer any query we had, and he submitted our application very quickly once we had gathered our documentation. I've already recommended the company's services to friends!
Louisa Smurthwaite
Louisa Smurthwaite
2022-08-03
Paul helped me find a new mortgage. His knowledge was invaluable. Adding to this, he was extremely patient with me while we navigated some complex decisions. Thanks Paul, amazing service!
Sinead Ennis
Sinead Ennis
2022-07-18
The whole process of getting the right mortgage was made easy, with continued support all the way through. Highly recommended.
Daniel Lee
Daniel Lee
2022-06-17
My girlfriend and I are buying our first home and Paul has been absolutely fantastic every step of the way. He’s knowledgable, friendly and very approachable, regardless of the time of day, even replying to emails at gone 9 o’clock at night! Would definately recommend and will definately be using in the future!
Chris Healy
Chris Healy
2022-06-13
Paul has been incredibly helpful and informative every step of the process of me owning a property, as a first time buyer there was I lot I didn't know and he's really gone the extra mile for me.
Paul Ho
Paul Ho
2022-04-15
Paul's dedication, expertise and attention to detail was instrumental in securing the deal for my house purchase. In my opinion his fees was money very well spent, and would recommend him without hesitation.
Panos Savvas
Panos Savvas
2022-04-01
Paul worked with me and my wife to find the right mortgage and insurances needed for our new home. He's is very knowledgeable and professional. I never felt rushed or uniformed. He really went out of his way to ensure we had all the information we needed and guided us through the process. Beyond that Paul went above and beyond in working with our conveyancer and the estate agent to assist in our exchange and completion. I would not hesitate to recommend him or use him again in the future.

Complete your details below and we’ll be in touch to help you with your enquiry 

Contact Us
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

blank

We have access to the lenders offering 95% mortgages

Lenders will however expect better than standard credit reports with nearly all lenders offering 95% only agreeing to lend where the applicants have a near-perfect credit report and score.

It is also worth noting that with a 95% mortgage it’s not just about having a good credit score but showing that you’ve had some form of credit recently and have used it responsibly.

Your mortgage broker can talk through your likely options and how you can improve your chances of being accepted at 95%.

With access to over 80 lenders we will search the market to find the best mortgage terms for you and help arrange everything for you

mortgage broker help

We take the stress out of finding a mortgage that is just right for you and helping you buy your new home. 

We will present you with a Mortgage Certificate 📝 confirming that we’ve reviewed your situation in full so you can present this to the estate agents to confirm you’re mortgage ready and can start offering on the home you want to buy 😃

Get your Mortgage Certificate today

blank

Our Mortgage Certificate includes all the initial checks that are needed to confirm in principle if you’re eligible for the mortgage you want and will also provide clarity to the estate agents that you’ve got your finances in order. 

Firstly one of our mortgage brokers will complete an initial review for you which will include assessing some of your documents. This is very important as mortgage lenders are very particular on what they want to see and are looking for and your mortgage broker will be able to check your documents in detail. 

With this completed your mortgage broker will be able to provide you with a Mortgage Certificate that confirms to the estate agents, that we’ve reviewed the following documents:

  • Proof of identity 
  • Proof of address
  • Latest 3 months bank statements
  • Proof of income
  • Credit score

With those checked we can then issue you a mortgage certificate which won’t include any of your personal details, doesn’t involve a credit score as we review a copy of your credit report instead which puts the estate agents mind at rest (and yours) that you’re in a proceedable position to purchase the home you wish to make an offer on. 

Any decision to lend is always subject to full lender application, credit searches, criteria checks and a satisfactory valuation.

Complete your details below and we’ll be in touch to help you with your enquiry 

Contact Us
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

Your broker here to help

Often the lenders will make assumptions or even worse let the computer make the decision on whether to lend to you. This is where we step in and help advise and arrange to ensure you get the correct mortgage and consideration by the lender at the application stage and we present your application in the best possible light; therefore increasing your chances of acceptance at first application. 

Our team of mortgage brokers are here and ready to assist you and we can speak at a time convenient for you and even over a video call if you prefer a face-to-face conversation with your advisor.

Why choose us

blank

✅ Access to over 80 lenders so you will get the best rates available with many of these lenders not available on the high street which are exclusive to brokers

✅ Experienced advisors, so you’re in the safe hands of our advisors who will be able to assist whatever your circumstance

✅ Real relationships with the lenders so we can get your application pre-approved if your situation isn’t straightforward

✅ We’re quick, on our first call we will quickly establish your options and let you know the next steps so we can arrange everything promptly for you