Access higher loan-to-value mortgages, with support for lower proportion deposits.
If you have a smaller deposit, a 95% or high loan-to-value (LTV) mortgage may help you move forward sooner. We help you understand the options and match you with lenders who support higher LTV borrowing.
At The Mortgage Heroes, we help you understand how deposit size affects lender choice and guide you towards realistic options.
A 95% mortgage allows you to borrow up to 95% of the property’s value, meaning you only need a deposit of 5%. High LTV mortgages generally refer to borrowing at 90%–95% LTV, where lender criteria can be more restrictive.
Many buyers assume high LTV mortgages are no longer available or only suitable for first time buyers. In reality, these mortgages are used by a wide range of borrowers, including home movers and remortgagers, depending on circumstances.
Even if you want a deposit lower than 5%, its still worth a conversation – we’ve found mortgage deals for buyers with less than a £5,000 deposit.
High LTV mortgage criteria varies by lender, but you may be eligible if you have a deposit of around 5%–10%, an income that supports higher borrowing levels, and a stable, manageable credit profile. The property must also meet lender requirements, and the purchase or remortgage needs to fall within set lending limits.
Even if your deposit is smaller or your credit history is mixed, options may still be available depending on the wider picture and how lenders assess affordability overall.
We help you understand what’s achievable with your deposit.
We review your deposit, income, and goals.
We sense-check borrowing at higher LTV levels.
We identify lenders offering 95% or high LTV mortgages.
We explain costs, rates, and expectations clearly.
We manage the application through to completion.
With higher LTV borrowing, long-term affordability matters. Reviewing protection alongside your mortgage can help safeguard payments if your income changes. We’ll help you decide what’s appropriate.
Yes, although availability depends on lender appetite and market conditions. Some lenders support 95% borrowing consistently, while others limit availability to certain borrowers or property types. We’ll explain what’s currently realistic based on your situation.
Often they do, as lenders take on more risk when lending at higher LTVs. That said, rates vary widely and can improve as your equity increases. We’ll help you compare options and understand the long-term implications.
Possibly, but options are more limited. Lenders will look closely at the type and timing of any credit issues, alongside affordability. We’ll assess whether applying now makes sense or whether improving your position could widen options.
No. While many first time buyers use them, home movers and some remortgagers may also qualify, depending on equity, income, and lender criteria.
Not all properties are eligible. Some lenders restrict high LTV borrowing on flats, new builds, or non-standard properties. We’ll check property suitability early to avoid issues later.
In some cases, yes, but options are more limited than for purchases. We’ll explain what’s available and whether waiting or overpaying could improve future options.
Deposit size influences more than just interest rates. It can affect lender choice, property eligibility, and how affordability is assessed. Even a small increase in deposit can sometimes unlock better options.
We’ll help you understand whether stretching to a higher deposit is worthwhile or whether a high LTV mortgage is the right step now.
Explore guides covering deposits, affordability, and how to prepare for a 95% mortgage application.
Start your journey online with The Mortgage Heroes. Our experts are here to help, offering clear, practical advice and support for your mortgage journey – without the pressure.
