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 loan size £570,000
  • 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.