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Mortgage & Equity Release - Call Us 0117 313 7780

What is your mortgage for?

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1.41% 5 Year Fixed 

  • 60% LTV
  • Overall cost for comparison 3.30%
  • £250 Cashback

Representative Example: 

Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

Rate fixed for 5 years after which reverts to NatWest variable rate of 4.24%.

Call NatWest FREE on 0800 068 8567

1.17% 2 Year Fixed 

  • 60% LTV
  • Overall cost for comparison 3.80%
  • £250 Cashback

Representative Example: 

Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

Rate fixed for 5 years after which reverts to NatWest variable rate of 4.24%.

Call NatWest FREE on 0800 068 8567

Compare Low Deposit Mortgages

Use the table below to see a selection of top mortgage deals from lenders who will accept a 95% LTV. Use our mortgage calculator above for latest rates specific to your requirements or to speak to one of our mortgage advisers click here »

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 2.74%
Rate type: Discount 2 years
Monthly cost: £875.52 per month
Max LTV: 100%
Product fee: £310.00
Overall cost for comparison: 4.6% APRC
Buckinghamshire BS logo 2.74% Discount 2 years 4.6% APRC 100% £310.00 £875.52 per month get quotes Call direct0117 313 7780 More details
Initial rate: 2.74%
Rate type: Discount 2 years
Monthly cost: £875.52 per month
Max LTV: 100%
Product fee: £405.00
Overall cost for comparison: 4.6% APRC
Buckinghamshire BS logo 2.74% Discount 2 years 4.6% APRC 100% £405.00 £875.52 per month get quotes Call direct0117 313 7780 More details
Initial rate: 2.99%
Rate type: Discount Nov-2023
Monthly cost: £900.01 per month
Max LTV: 100%
Product fee: £1160.00
Overall cost for comparison: 4.4% APRC
Buckinghamshire BS logo 2.99% Discount Nov-2023 4.4% APRC 100% £1160.00 £900.01 per month get quotes Call direct0117 313 7780 More details
Initial rate: 2.99%
Rate type: Discount Nov-2023
Monthly cost: £900.01 per month
Max LTV: 100%
Product fee: £1255.00
Overall cost for comparison: 4.4% APRC
Buckinghamshire BS logo 2.99% Discount Nov-2023 4.4% APRC 100% £1255.00 £900.01 per month get quotes Call direct0117 313 7780 More details
Initial rate: 3.05%
Rate type: Fixed Jan-2026
Monthly cost: £905.95 per month
Max LTV: 95%
Product fee: £115.00
Overall cost for comparison: 2.8% APRC
Barclays Bank logo 3.05% Fixed Jan-2026 2.8% APRC 95% £115.00 £905.95 per month get quotes Call direct0117 313 7780 More details
Initial rate: 3.05%
Rate type: Discount 3 years
Monthly cost: £905.95 per month
Max LTV: 100%
Product fee: £543.00
Overall cost for comparison: 5.4% APRC
Mansfield BS logo 3.05% Discount 3 years 5.4% APRC 100% £543.00 £400 cashback £905.95 per month get quotes Call direct0117 313 7780 More details
Initial rate: 3.29%
Rate type: Fixed Mar-2026
Monthly cost: £929.92 per month
Max LTV: 95%
Product fee: £874.00
Overall cost for comparison: 4.1% APRC
Family Building Society (NCBS) logo 3.29% Fixed Mar-2026 4.1% APRC 95% £874.00 £250 cashback £929.92 per month get quotes Call direct0117 313 7780 More details
Initial rate: 3.39%
Rate type: Fixed Nov-2022
Monthly cost: £940.01 per month
Max LTV: 100%
Product fee: £1255.00
Overall cost for comparison: 4.7% APRC
Buckinghamshire BS logo 3.39% Fixed Nov-2022 4.7% APRC 100% £1255.00 £940.01 per month get quotes Call direct0117 313 7780 More details
Initial rate: 3.39%
Rate type: Fixed Nov-2022
Monthly cost: £940.01 per month
Max LTV: 100%
Product fee: £1160.00
Overall cost for comparison: 4.7% APRC
Buckinghamshire BS logo 3.39% Fixed Nov-2022 4.7% APRC 100% £1160.00 £940.01 per month get quotes Call direct0117 313 7780 More details
Initial rate: 3.59%
Rate type: Fixed Nov-2023
Monthly cost: £960.38 per month
Max LTV: 100%
Product fee: £1160.00
Overall cost for comparison: 4.7% APRC
Buckinghamshire BS logo 3.59% Fixed Nov-2023 4.7% APRC 100% £1160.00 £960.38 per month get quotes Call direct0117 313 7780 More details
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Low Deposit Mortgages

If you have at least a 10% deposit to put down on a house then the mortgage options available to you are fairly wide as many lenders have in recent years relaxed their lending criteria.

If you have less than 10% to put down then options become a bit more limited although since the end of 2013 many lenders are considering borrowers with low deposits. Whether you will be accepted by a lender will depend. there are a number of factors that come into play when a lender is considering providing you with a mortgage.

Obtaining financial advice from a qualified mortgage adviser will help you through the maze and potentially save you a lot of time.

Use our mortgage service to help find a low deposit mortgage for your situation

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A to Z of mortgage lenders

See all Mortgage Lenders
Accord Mortgages
Clydesdale Mortgages
Halifax Mortgages
Investec Mortgages
Metro Bank Mortgages
NatWest Mortgages
RBS Mortgages
Skipton Building Society Mortgages
TSB Mortgages
West Brom Mortgages
Barclays Mortgages
Coventry Building Society Mortgages
HSBC Mortgages
Leeds Building Society Mortgages
Nationwide Mortgages
Post Office Mortgages
Santander Mortgages
TESCO Mortgages
Virgin Money Mortgages
Yorkshire Building Society Mortgages

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

Fair Mortgages Limited is an appointed representative of Fair Investment Company Ltd which is authorised and regulated by the Financial Conduct Authority.