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95% LTV First Time Buyer Mortgages

The chart below show the best 95% LTV mortgage rates available to first time buyers. You can personalise the chart by adding the value of the property you want to buy and the value of the mortgage you want to get. If you're not a first time buyer, you can also compare remortgages and moving home mortgages.

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Best 95% LTV First Time Buyer Rates

Best 95% LTV First Time Buyer Rates

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We found 227 products in total, of which 36 have links to providers.

Press for help tip

Selecting ‘Provider Links First’ brings all products that you can apply for directly via Moneyfacts to the top of the chart in rate order. Products that do not have an ‘Go To Provider's Site’ button will appear below, again in rate order. Selecting an option from the drop-down will change the chart to list all products in order depending on the option you have selected, with the best rate being at the top. Products that have ‘Go To Provider's Site’ links will still be in the list but in rate position.

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  • Nationwide BS Fixed
    Rate
    4.99%
    4.99% Fixed for 5 years
    reverting to 7.99%
    APRC
    6.9%
    Max LTV
    95%
    Product Fees
    £999.00
    Initial Payment
    £981.13
    Total Over
    Go To Provider's Site
  • Nationwide BS Fixed
    Rate
    4.99%
    4.99% Fixed for 5 years
    reverting to 7.99%
    APRC
    6.9%
    Max LTV
    95%
    Product Fees
    £999.00
    Initial Payment
    £981.13
    Total Over
    Go To Provider's Site
  • Gen H Fixed
    Rate
    5.02%
    5.02% Fixed for 5 years
    reverting to 7.25% Variable
    APRC
    6.5%
    Max LTV
    95%
    Product Fees
    £999.00
    Initial Payment
    £984.07
    Total Over
    Go To Provider's Site
  • Gen H Fixed
    Rate
    5.07%
    5.07% Fixed for 5 years
    reverting to 7.25% Variable
    APRC
    6.6%
    Max LTV
    95%
    Product Fees
    £999.00
    Initial Payment
    £988.98
    Total Over
    Go To Provider's Site
  • Gen H Fixed
    Rate
    5.08%
    5.08% Fixed for 5 years
    reverting to 7.25% Variable
    APRC
    6.5%
    Max LTV
    95%
    Product Fees
    £0.00
    Initial Payment
    £989.96
    Total Over
    Go To Provider's Site
  • Gen H Fixed
    Rate
    5.13%
    5.13% Fixed for 5 years
    reverting to 7.25% Variable
    APRC
    6.5%
    Max LTV
    95%
    Product Fees
    £0.00
    Initial Payment
    £994.88
    Total Over
    Go To Provider's Site
  • Nationwide BS Fixed
    Rate
    5.14%
    5.14% Fixed for 5 years
    reverting to 7.99%
    APRC
    6.9%
    Max LTV
    95%
    Product Fees
    £0.00
    Initial Payment
    £995.86
    Total Over
    Go To Provider's Site
  • Access exclusive rates

    Mortgage brokers can help you access exclusive products and rates

    Find a Conveyancer

    Whether you’re buying or selling, you’ll need to instruct a conveyancer. 

    How much can I borrow? 

    Find out how much you could borrow on a mortgage using our calculator. 

    Access exclusive rates

    Mortgage brokers can help you access exclusive products and rates

    Find a Conveyancer

    Whether you’re buying or selling, you’ll need to instruct a conveyancer. 

    How much can I borrow? 

    Find out how much you could borrow on a mortgage using our calculator. 

    Access exclusive rates

    Mortgage brokers can help you access exclusive products and rates

    Find a Conveyancer

    Whether you’re buying or selling, you’ll need to instruct a conveyancer. 

    How much can I borrow? 

    Find out how much you could borrow on a mortgage using our calculator. 

  • Nationwide BS Fixed
    Rate
    5.14%
    5.14% Fixed for 5 years
    reverting to 7.99%
    APRC
    6.9%
    Max LTV
    95%
    Product Fees
    £0.00
    Initial Payment
    £995.86
    Total Over
    Go To Provider's Site
  • Yorkshire Building Society Fixed
    Rate
    5.34%
    5.34% Fixed to 31/05/2029
    reverting to 8.24%
    APRC
    7.2%
    Max LTV
    95%
    Product Fees
    £995.00
    Initial Payment
    £1,015.68
    Total Over
    Go To Provider's Site
  • Yorkshire Building Society Fixed
    Rate
    5.39%
    5.39% Fixed to 31/05/2027
    reverting to 6.05%
    APRC
    7.3%
    Max LTV
    95%
    Product Fees
    £995.00
    Initial Payment
    £1,020.66
    Total Over
    Go To Provider's Site
Representative Example
Note

Mortgage Advice Bureau offers fee free mortgage advice for Moneyfacts visitors that call on 0808 149 9177 or email moneyfacts@mab.org.uk. If you contact Mortgage Advice Bureau outside of these channels you may incur a fee of up to 1%.

Any contractual relationship will be with Mortgage Advice Bureau.

Disclaimer

Credit will be secured by a mortgage on your property. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Written quotations are available from individual lenders. Loans are subject to status and valuation and are not available to persons under the age of 18. All rates are subject to change without notice. Please check all rates and terms with your lender or financial adviser before undertaking any borrowing.

Provider Links

‘Go To Provider's Site’ links are where we have an arrangement with a provider so you can move directly from our site to theirs to view more information and apply for a product. We also use ‘Speak to A Broker’ links where we have an arrangement with a preferred broker to move you directly to their site. Depending on the arrangement we may receive a modest commission either when you press a 'Go To Provider's Site' or 'Speak To A Broker' button, when you call an advertised number or when you complete an application following a link from our website.

How our best 95% LTV mortgage comparison works

Our comparison tables make it easy to find the best 95% LTV mortgage for you. At the top of the tables you’ll find our direct deals - This is where you can simply click on the ‘Go To Provider’s Site’ button for a hassle-free way to get more info and apply direct to the lender. Underneath these are all the other 95% LTV products currently in the market place. To reorder the whole table into rate order, just click on your preferred sort by criteria.

How to choose the best 95% LTV mortgage deal for you

Since you only need to have a 5% deposit, 95% LTV mortgages are very popular with first time buyers. The advantage to these is that they tend to have better interest rates than 100% LTV mortgages. However, it’s still important to shop around to ensure that you are getting the best deal for your needs.

Should I speak to a mortgage broker?

Mortgage brokers remove a lot of the paperwork and hassle of getting a mortgage, as well as helping you access exclusive products and rates that aren’t available to the public. Mortgage brokers are regulated by the Financial Conduct Authority (FCA) and are required to pass specific qualifications before they can give you advice.

 

Speak to an award-winning mortgage broker today

 

MAB is the preferred mortgage broker of MoneyfactsCompare

 

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Get friendly, expert advice free of charge as a visitor of MoneyfactsCompare

Mortgage Advice Bureau have 1,600 UK advisers with 200 awards between them.

Speak to an award-winning mortgage broker today.

Call 0808 149 9177 or request a callback

Mortgage Advice Bureau offers fee free mortgage advice for MoneyfactsCompare visitors that call on 0808 149 9177. If you contact Mortgage Advice Bureau outside of these channels you may incur a fee of up to 1%. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 1pm excluding bank holidays. Calls may be recorded.

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

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Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.

Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.