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A 95% mortgage is a type of home loan that allows buyers, whether they are first time buyers or moving to a new home, to secure a property with only a 5% deposit.
The remaining 95% is covered by the mortgage lender. This type of mortgage is particularly appealing to first time buyers who may not have the financial means to save for a traditional 10% deposit.
For instance, if you are purchasing a property worth £200k, you would only need a minimum deposit of £10k and then apply for a 95% mortgage of £190k to cover the remaining purchase price.
In addition, 95% mortgages are also an option for current homeowners who are looking to remortgage in order to release capital for various reasons.
This will require careful consideration of various factors, such as your income and employment status, the type and construction of the property, and any existing credit commitments like personal loans, car loans, and credit cards. Additionally, your credit score and history will also play a significant role.
Securing a 95% mortgage with only a 5% deposit can be challenging without the guidance of a knowledgeable mortgage broker in Nottingham. It’s worth noting that the interest rates on these types of mortgages are typically higher than those with lower loan to value ratios, as they pose a greater risk to the lender.
Our 95% mortgage advice in Nottingham has successfully helped numerous first time buyers, home movers, and current property owners in securing 95% mortgage deals with only a 5% deposit. We offer both joint and sole name options for 95% mortgages, catering to a variety of needs such as first time buyers, home movers, or those looking to raise capital.
As part of our comprehensive service, we will provide you with an accurate assessment of how much you can borrow on a mortgage, as well as the monthly payments and a mortgage agreement in principle document.
With our extensive experience and expertise, we are able to help with various situations, including family gifted deposits, purchasing from a landlord or below market value, and complex financial circumstances.
We also offer options for those with bad credit, individuals over 50, and those looking to remortgage for capital raising or debt consolidation. Our services are also available for self employed individuals with complex income situations.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Our Customers Love Us
97 5 Star Reviews
Jessica Hopkins
Matthew has been brilliant throughout my entire first home purchase journey. Hes been very patient and understanding and i couldnt have wished for a better experience. Thankyou so much for making this a less stressful for me and explaining everything in detail!
27 May 2026
Hannah Ryley
We knew absolutely nothing about the mortgage experience! Chris made this whole experience less stressful! He not only was an amazing advisor but his personality is amazing! We made the right choice in in choosing UK money man, they really are the best!
7 May 2026
Josh King
Jason and Jo have been brilliant, from the very first phone appointment to obtaining our offer we had great communication and support throughout.
27 Apr 2026
Shauna Rose Wilkinson
Brilliant team! The service from everyone we’ve spoken to at UK Moneyman has always been flawless and so clear at every step, we wouldn’t use anyone else. Thank you!
1 Apr 2026
Harry Mak
We had such a great experience with Chris Thompson and his team! They first helped us when we were buying our first home, and honestly, as first time buyers, we had so many questions. They were incredibly patient and made sure we understood everything clearly. The advice they gave us was spot on and really helped us feel confident throughout the whole process. We recently remortgaged with Chris and his team and once again, they were excellent. They provided clear, accurate information and guided us through every step just like they did the first time. We’re really grateful for all their support, both with our first mortgage and the remortgage. I’d definitely recommend anyone looking to buy their first home or remortgage. They really know their stuff and genuinely care about helping their clients!
4 Mar 2026
Gaynor Browne
Excellent guidance and service from start to finish. Chris Wardall was helpful, informative, friendly and very patient with me being a first timer buyer . Great service from Chris and the whole team. Service was consistant with regular updates and no delays.i highly reccommend using this company.
3 Mar 2026
Dan B.
They've been very helpful from start to finish. Conor is on the ball and always takes the time to answer questions
5 Feb 2026
Katie Radford
The support we received from Jason & Amy was fantastic and as First Time Buyers helped guide us through something that was very new and unfamiliar to us. We did have a really quick and smooth process however, so feel like we didn't really get to use their services to the fullest. We would definitely recommend them to anyone looking to buy a house whether you are a First Time Boyer or looking to move up the property ladder.
5 Oct 2025
Jane Nolan
I've had an excellent experience with UKMoneyman. They are a professional, helpful team who have been responsive and supportive throughout the whole process. They were able to find me a very competitive mortgage that suited my needs. I would have no hesitation recommending them.
26 Sep 2025
Liam Brown
100% recommended! Found us a great mortgage, and communication is fantastic. Very punctual, very knowledgeable and extremely helpful. As first time buyers, there's a lot of things we didn't know or understand, and Chris was extremely helpful with all of this.
6 Aug 2025
At your complimentary mortgage consultation, you will have the opportunity to converse with our skilled mortgage specialist in Nottingham. They will carefully evaluate your earnings and expenditures.
After discussing your needs and preferences, we will efficiently obtain your mortgage agreement in principle (AIP), typically within 24 hours. This is a valuable resource to have when making offers on a potential property.
Once your offer on a property has been accepted, our devoted mortgage advisor in Nottingham will handle the process of submitting your mortgage application and providing any extra documents needed by the lender.
Our team is dedicated to not only finding the perfect mortgage deal for first time buyers in Nottingham, but also providing them with comprehensive insurance coverage to protect their financial security and that of their loved ones.
Schedule a free initial mortgage consultation through our convenient online booking system today. Booking an appointment with a knowledgeable mortgage specialist has never been easier!
As a mortgage broker in Nottingham, we possess the capability to obtain a wide range of exclusive and highly competitive mortgage options. Our extensive network of mortgage lenders and strong partnerships with each of them allow us to potentially secure the ideal mortgage arrangement for you.
Our extensive collection of customer reviews serves as a testament to the quality of our service. Throughout the years, we have amassed a wealth of positive feedback from our satisfied clients. We invite you to check out these reviews and discover for yourself why so many individuals trust Nottinghammoneyman for mortgage guidance in Nottingham.
As a transparent and trustworthy mortgage broker, we take great pride in the exceptional level of customer service we offer. Our top priority is ensuring your safety and security throughout your entire mortgage process.
Our doors are open every day of the week, starting early in the morning and staying open late into the night, even on weekends and select bank holidays! This allows you to connect with a committed mortgage advisor in Nottingham at your convenience.
Additionally, we offer appointments beyond the usual 9-5 timeframe, so you can schedule an evening meeting if it better fits your schedule, depending on our availability.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Nottinghammoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Nottinghammoneyman 2009–2026
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Nottinghammoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Nottinghammoneyman 2009–2026
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