95% Mortgages

Whether you are buying your  a First Time Buyer, or looking to move up the property ladder as a Homemover, the recently announced 95% Mortgage Scheme is bound to be of interest to you.

Since 2014, these low deposit schemes were really popular, especially for those looking to buy in the South East – it was only the Covid Lockdown, and subsequent Stamp Duty Holiday, that caused lenders to withdrawn such schemes. In March 2021, the Chancellor announced that their return would restart,  with a Government guarantee made available to the lender (so its for the benefit of the lender, not the borrower). 

The main scheme details are :

  • Must be a Residential Mortgage (Not Second Homes). Does not include Buy to Let Purchases
  • For the benefit of individuals and not a company purchase
  • Property value of £600,000 or less
  • For Mortgage Loan-to-Value of 91-95% 
  • The mortgage must be Repayment
  • Usual Affordability Assessment – The amount you can borrow is determined by a review of your Income and Outgoings
Availability of Mortgage products will grow over the coming weeks, as lenders adjust to this opportunity.  We will keep you up to speed with the latest products on this page, so please bookmark or register for regular updates
 

Our Lender List (Residential)

Last Updated – 30th March 2021

  • 95% Mortgage
  • 3.99% Fixed 5yrs
  • Free Standard Valuation
  • Up to £500k Mortgage Size
  • Broker-Only

95% Mortgage Deals launched 

  • 2yr Fixed 5.08% – £999 Product Fee
  • 5yr Fixed 5.28% – £999 Product Fee
  • For New & Previously Purchased Homes, especially for Self-Employed and those with previous credit issues

No 95% Mortgages currently available

 

95% Mortgages

  • 4.05% Fixed 5yrs
  • No Product Fee
  • Up to £500k Loan Size
  • Minimum £150k Loan
  • Broker-Only
 
Additional 95% Deal – NEW!
  • 3.99% Fixed 2yrs
  • No Product Fee
  • Minimum Loan £150k, Maximum Loan £500k

No 95% Mortgages currently available

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

95% Mortgages

  • 3.89% Fixed 5yrs
  • £999 Product fee
  • Free Valuation
  • 4.09% Fixed 5yrs
  • No Product Fee
  • Free Valuation
Available for Purchase or for Product Transfer

No 95% Mortgages currently available

No 95% Mortgages currently available

 

No 95% Mortgages currently available

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

No 95% Mortgages currently available

No 95% Mortgages currently available

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

No 95% Mortgages currently available

No 95% Mortgages currently available

No 95% Mortgages currently available

No 95% Mortgages currently available

 

No 95% Mortgages currently available

No 95% Mortgages currently available

Current Lending Changes

Mortgage Holiday

https://www.themarsden.co.uk/mortgages/coronavirus-mortgage-payment-concession/

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

No 95% Mortgages currently available

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

New 95% Mortgage Options :

  • 4.17% Fixed 5yrs, First Time Buyers Only, No Product Fee, Free Valuation
  • 4.52% Fixed 5yrs, SHARED OWNERSHIP ONLY, First Time Buyer Only, Free Valuation

No 95% Mortgages currently available

 

No 95% Mortgages currently available

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

No 95% Mortgages currently available

 

Online Meeting

Its easy to book a Video Call to discuss your needs – click below

Latest Changes

Coventry BS

  • Launched two new 5yr Fixed 95% Products

Bank of Ireland

  • Launch of Additional  Product – 95% 2yr Fixed Product

Aldermore

  • Limited Edition 95% Mortgage – 2yr & 5yr Fixed, available for Self-Employed and previous Credit Issues

TSB

  • Notice of New 95% Product to Follow

Skipton BS

  • Launch of 95% 5yr Fixed Product for FTB Only
  • Launch of Shared Ownership 95% LTV, 5yr Fixed, FTB Only

Accord Mortgages

  • Launch of 95% 5yr Fixed Product

Bank of Ireland

  • Launch of 95% 5yr Fixed Product

Mortgage Issues?

If your lender is not listed or you require further assistance, please get in touch. 

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Essex Home Finance Ltd is an Appointed Representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance and consumer credit mediation activities only.

Registered address: Suite 1, 8 Kingsdale Business Centre, Chelmsford, Essex, CM1 1PE

Registered in England & Wales under number 10607263.

Your home may be repossessed if you do not keep up repayments on your mortgage.

We do not charge for Residential First Time Buyers, Residential Home Movers, Residential Remortgage, and all Product Transfers (Residential or Buy to Let).

There will be a fee for all Buy to Let Purchase and Buy to Let Remortgage cases. Typically our fee will be £149, payable on Offer. We will agree any fees with you before we proceed with your case.

There will be a fee for all Equity Release Mortgage cases. Typically our fee will be £695, payable on Offer. We will agree any fees with you before we proceed with your case.

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. 

Our advice is covered under the Financial Ombudsman Service.