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5% deposit mortgages

Get on the property ladder with just a 5% deposit. With our low deposit mortgages, you can borrow up to 95% of the value of the property you want to purchase – perfect if you are buying your first home.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE.

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Use our mortgage finder to search for mortgages which fit your circumstances.

Please note: This information does not contain all of the details you need to choose a mortgage. All figures shown are on a capital repayment basis.

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Fixed Rate Mortgages

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  • 3 Year Fixed Rate Mortgage 95% LTV Purchase
  • Initial Rate 3.94% Fixed
  • Overall Cost for Comparison 4.1% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      30/06/2024

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      3% of amount repaid until 30/06/2022, followed by 2% of amount repaid until 30/06/2023, followed by 1% of amount repaid until 30/06/2024 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

  • 5 Year Fixed Rate Mortgage 95% LTV Purchase
  • Initial Rate 4.04% Fixed
  • Overall Cost for Comparison 4.1% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      30/06/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 30/06/2022, followed by 4% of amount repaid until 30/06/2023, followed by 3% of amount repaid until 30/06/2024, followed by 2% of amount repaid until 30/06/2025, followed by 1% of amount repaid until 30/06/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.

*Initial estimated monthly payments are calculated based on the figures entered above on a capital and interest repayment basis.

Representative example

A mortgage of £155,000 payable over 25 years initially on a fixed rate for two years at 2.74% and then on our current standard variable rate of 3.99% (variable) for the remaining 23 years would require an initial payment of £1,050.75, 24 monthly payments of £714.24 and 275 monthly payments of £849.48.

The total amount payable would be £252,024.51 made up of the loan amount plus interest (£96,825.04), a telegraphic transfer fee (£30) and an account management fee (£195 - paid upon redemption).

The overall cost for comparison is 4.3% APRC representative.

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