95% LTV mortgages

We offer a range of 95% LTV products to help your clients with smaller deposits.

Key criteria

  • Maximum loan size £570,000 for non-new build houses
  • Maximum loan size £380,000 for non-new build flats
  • We do not lend on new build houses and flats up to 95% LTV
  • Capital and interest only
  • No higher lending charge
  • No other properties can be owned on completion of the mortgage.

Please use our affordability calculator to see how much your clients may be able to borrow. 

Evidence

Employment type Evidence required

All applicants

  • Three months’ personal bank statements

Employed

  • Latest monthly payslip or if paid more frequently than monthly, last four weeks' payslips required.

Self-employed

  • Three years’ SA302s plus a Tax Year Overview for each corresponding tax year, or
  • Accounts showing three years’ trading figures.

Directors of a limited company

  • Three years’ SA302s plus a Tax Year Overview for each corresponding tax year, and
  • Accounts showing three years’ trading figures.