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 14 reviews.
Rebecca surin
Rebecca surin
2022-03-24
Working with Paul has been an absolute pleasure. He is extremely knowledgeable, conscientious, and responsive. I don't think I would be in the position I am (buying my first flat!) if it wasn't for his help and guidance. Highly recommended.
Elvis
Elvis
2022-03-22
Paul was professional and efficient. Clearly very experienced and understands the nuances of the mortgage world. Very happy with the service provided and would certainly recommend.
olivia davis
olivia davis
2022-03-20
We are first time buyers and have Paul walking us through this process and we couldn't have asked for anyone better! He has been very friendly and approachable throughout and keeps in contact often to make sure everything goes as smoothly as possible and to answer any question we have. Highly recommended this company to anyone moving !
Dominic Lake
Dominic Lake
2022-03-20
My partner and I are first time buyers so we knew absolutely nothing about houses and how to get one. Paul has been our mortgage advisor and has been extremely insightful and helpful throughout the process and I couldn’t recommend him more.
Darryl Worbey
Darryl Worbey
2022-02-24
Would highly recommend Paul to anyone, he went the extra mile for me. If I went to the lenders direct I wouldn’t have got my mortgage due to my situation but Paul with his contacts allowed us to get my mortgage. He also treated my money as it was his own which is what you want when buying a house. Thank you again Paul
Kelsey Downey
Kelsey Downey
2022-02-24
Josh Benfield
Josh Benfield
2022-02-14
Paul worked with us on our first property and I don't think we could have asked for a more conscientious and supportive advisor. We had a couple of issues with parts of the process and Paul was there each step of the way to guide us and step in to ensure that things worked out. Each communication we had was thoroughly carried out and we felt clued in throughout. Would highly recommend to anyone!
Kate S
Kate S
2021-12-22
Paul Tait has been a fountain of valuable advice and knowledge throughout our mortgage process. He is friendly, professional, highly intelligent and has taken all the hassle out of what could be a very stressful experience. We wouldn’t hesitate to recommend Paul and we will definitely call on him in the future.
Florian
Florian
2021-10-25
Very pleased with Your Property Financial Services - professional and efficient service throughout the entire process.
L Ek
L Ek
2021-10-17

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