95% LTV mortgages

We offer a range of 95% LTV products to help your clients with smaller deposits. These are now available outside of the government’s Help to Buy: mortgage guarantee scheme.

Key criteria

  • Maximum income multiple 4.45 times income
  • Maximum loan size £570,000
  • Capital and interest only
  • No higher lending charge
  • No other properties can be owned on completion of the mortgage.

For full details view the lending over 90% LTV section of our lending criteria.

Evidence

Employment typeEvidence 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.