On your own
Boost your buying budget without a loved one’s help.
Guarantor Mortgages
Boost your buying budget with the help of family or friends.
Remortgage
Release equity, borrow more or access better rates.
Part Buy, Part Rent
Buy a share of a home and pay rent on the rest.
Standard Mortgage
Buy a home with a repayment mortgage
5.5x Income
Increased borrowing for first-time buyers
Professional Mortgage
Increased borrowing for professionals
Dynamic Ownership
Co-buy with friends or siblings
Deposit Unlock
Buy a new-build home with a 5% deposit
Armed Forces Help To Buy
Borrow up to £25,000 as an interest-free loan
Skipton Track Record Mortgage
Use your track record of paying rent to get a 100% mortgage
Struggling to save? Buy a home with a just a 5% deposit
Saving a deposit is tough. Luckily, 95% mortgages are available, meaning you can get on the property ladder, or buy your next place and put down just 5% of the property price as a deposit. Get advice from the UK's Best Mortgage Broker 2022 & 2023.
£82,000 Average Affordability Boost
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How a 95% mortgage works
Sometimes called 5% deposit mortgages, 95% loan to value (LTV) mortgages are available to both first-time buyers and home movers, and allow you to buy a home with just a 5% deposit saved. An increasing number of lenders offer 95% mortgages, thanks in part to property prices becoming out of reach for buyers, and lenders wanting to stimulate sales.
These can be a lifesaver for those who are struggling to save and are looking for a low deposit mortgage solution, however they aren't available to everyone. You'll need to have an excellent credit history, even a few missed payments will hurt your chances of taking out a 95% mortgage. That's because they are a higher risk to mortgage lenders, so they need more evidence that you're a safe bet.
Getting started with Tembo
Get your 95% mortgage underway in 3 simple steps
Check live interest rates for 95% mortgages
Interest rates are changing rapidly, and mortgages are making headlines. Stay on top of a changing market with our live interest rate tracker for 95% mortgages.
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