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.

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%.

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 😃

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.

✅ 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