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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: 2.79%
Rate type: Discount 3 years
Monthly cost: £880.39 per month
Max LTV: 95%
Product fee: £300.00
Overall cost for comparison: 4.5% APRC
Scottish BS logo 2.79% Discount 3 years 4.5% APRC 95% £300.00 £880.39 per month get quotes Call direct0117 313 7780 More details
Initial rate: 2.85%
Rate type: Fixed Oct-2025
Monthly cost: £886.25 per month
Max LTV: 95%
Product fee: £115.00
Overall cost for comparison: 3.2% APRC
Barclays Bank logo 2.85% Fixed Oct-2025 3.2% APRC 95% £115.00 £886.25 per month get quotes Call direct0117 313 7780 More details
Initial rate: 2.99%
Rate type: Fixed Nov-2025
Monthly cost: £900.01 per month
Max LTV: 95%
Product fee: £1274.00
Overall cost for comparison: 3.9% APRC
Family Building Society (NCBS) logo 2.99% Fixed Nov-2025 3.9% APRC 95% £1274.00 £250 cashback £900.01 per month get quotes Call direct0117 313 7780 More details
Initial rate: 2.99%
Rate type: Discount Aug-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 Aug-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 Aug-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 Aug-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: 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: 3.59%
Rate type: Fixed Aug-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 Aug-2023 4.7% APRC 100% £1160.00 £960.38 per month get quotes Call direct0117 313 7780 More details
Initial rate: 3.59%
Rate type: Fixed Aug-2023
Monthly cost: £960.38 per month
Max LTV: 100%
Product fee: £1255.00
Overall cost for comparison: 4.7% APRC
Buckinghamshire BS logo 3.59% Fixed Aug-2023 4.7% APRC 100% £1255.00 £960.38 per month get quotes Call direct0117 313 7780 More details
Initial rate: 3.89%
Rate type: Fixed 5 years
Monthly cost: £991.39 per month
Max LTV: 100%
Product fee: £543.00
Overall cost for comparison: 5.3% APRC
Mansfield BS logo 3.89% Fixed 5 years 5.3% APRC 100% £543.00 £400 cashback £991.39 per month get quotes Call direct0117 313 7780 More details

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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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.