95% Mortgages

95% Mortgages

95% Mortgages - 95% mortgages are mortgages offering a 95% loan to value ratio. Market conditions determine the availability of 95% mortgages, as they have a high Loan to Value Ratio in comparison to some other mortgages, especially 100% mortgages. Borrowers are only asked to deposit 5% of the value of the property in order to secure 95% mortgages. Many lenders require proof of income when offering 95% buy to let mortgages. Stringent terms and conditions may render 95% mortgages as complex products.

At Capital Fortune, we know the market and are in contact with lenders and their underwriters from a whole-of-market base. We use our knowledge and contacts to secure some of the best deals for our clients, depending on their circumstance. We are impartial and not tied to any particular lender so we offer a holistic view of the products available on the market. Our advisers offer a personalised service to our clients, sifting through the finer details of the available 95% mortgages. This, and using our extensive market experience, allows us to select deals which are tailored to the needs of our clients, 

The table below displays some of the current best 95% mortgages on the market from our database. 

Call our mortgage broker team now on 020 3 216 2037 or complete the Mortgage Enquiry Online. As part of our service, we will call you back.  

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Residential - Purchase - 95% LTV


LenderInitial
Rate
Mortgage
Type
For/Until Subsequent
Rate
The overall
cost for
comparison is
Early Repayment
Charge
Arrangement
Fee
Loan
to
Value
Details
Family Building Society (NCBS) 3 Year Fixed £599 Fee Purchase Family Mortgage FAM2.69%FixedNov-20204.54%4.2%APRC30-Nov-2020 £77495%
Product Code: 0023B2
Product Name: 3 Year Fixed £599 Fee Purchase Family Mortgage
Lender Code: FAM
Lender Name: Family Building Society (NCBS)
Initial Pay Rate: 2.69
Mortgage Class: Fixed
Initial Rate Period: Nov-2020
Initial Rate Period Months: 38
Standard Variable Rate: 4.54
Apr Lenders: 4.2
Early Repayment Charge Applies Until: 30-Nov-2020
Early Repayment Charge Period Sort Field: 1450
Initial Monthly Payment: 873.41
Monthly Payment After Initial Period: 1041.45
Fees Total: 904.00
True Cost: 0.00
True Cost Over Initial Period: 33494.58
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 599.00
Booking Fee: 175.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 153.93
Lender Product Reference: XF0107
Detail
Family Building Society (NCBS) ATOM 3 Year Fixed £599 Fee Purchase Family Mortgage FAM2.69%FixedNov-20204.54%4.2%APRC30-Nov-2020 £77495%
Product Code: 0023B3
Product Name: ATOM 3 Year Fixed £599 Fee Purchase Family Mortgage
Lender Code: FAM
Lender Name: Family Building Society (NCBS)
Initial Pay Rate: 2.69
Mortgage Class: Fixed
Initial Rate Period: Nov-2020
Initial Rate Period Months: 38
Standard Variable Rate: 4.54
Apr Lenders: 4.2
Early Repayment Charge Applies Until: 30-Nov-2020
Early Repayment Charge Period Sort Field: 1450
Initial Monthly Payment: 873.41
Monthly Payment After Initial Period: 1041.45
Fees Total: 1003.00
True Cost: 0.00
True Cost Over Initial Period: 33494.58
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 599.00
Booking Fee: 175.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 153.93
Lender Product Reference: XF0107
Detail
Family Building Society (NCBS) Brightstar 3 Year Fixed £599 Fee Purchase Family Mortgage FAM2.69%FixedNov-20204.54%4.2%APRC30-Nov-2020 £77495%
Product Code: 0023B4
Product Name: Brightstar 3 Year Fixed £599 Fee Purchase Family Mortgage
Lender Code: FAM
Lender Name: Family Building Society (NCBS)
Initial Pay Rate: 2.69
Mortgage Class: Fixed
Initial Rate Period: Nov-2020
Initial Rate Period Months: 38
Standard Variable Rate: 4.54
Apr Lenders: 4.2
Early Repayment Charge Applies Until: 30-Nov-2020
Early Repayment Charge Period Sort Field: 1450
Initial Monthly Payment: 873.41
Monthly Payment After Initial Period: 1041.45
Fees Total: 1203.00
True Cost: 0.00
True Cost Over Initial Period: 33494.58
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 599.00
Booking Fee: 175.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 153.93
Lender Product Reference: XF0107
Detail
Family Building Society (NCBS) Complete FS 3 Year Fixed £599 Fee Purchase Family Mortgage FAM2.69%FixedNov-20204.54%4.2%APRC30-Nov-2020 £77495%
Product Code: 0023B5
Product Name: Complete FS 3 Year Fixed £599 Fee Purchase Family Mortgage
Lender Code: FAM
Lender Name: Family Building Society (NCBS)
Initial Pay Rate: 2.69
Mortgage Class: Fixed
Initial Rate Period: Nov-2020
Initial Rate Period Months: 38
Standard Variable Rate: 4.54
Apr Lenders: 4.2
Early Repayment Charge Applies Until: 30-Nov-2020
Early Repayment Charge Period Sort Field: 1450
Initial Monthly Payment: 873.41
Monthly Payment After Initial Period: 1041.45
Fees Total: 1103.00
True Cost: 0.00
True Cost Over Initial Period: 33494.58
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 599.00
Booking Fee: 175.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 153.93
Lender Product Reference: XF0107
Detail
Family Building Society (NCBS) Positive Lending 3 Year Fixed £599 Fee Purchase Family Mortgage FAM2.69%FixedNov-20204.54%4.2%APRC30-Nov-2020 £77495%
Product Code: 0023B6
Product Name: Positive Lending 3 Year Fixed £599 Fee Purchase Family Mortgage
Lender Code: FAM
Lender Name: Family Building Society (NCBS)
Initial Pay Rate: 2.69
Mortgage Class: Fixed
Initial Rate Period: Nov-2020
Initial Rate Period Months: 38
Standard Variable Rate: 4.54
Apr Lenders: 4.2
Early Repayment Charge Applies Until: 30-Nov-2020
Early Repayment Charge Period Sort Field: 1450
Initial Monthly Payment: 873.41
Monthly Payment After Initial Period: 1041.45
Fees Total: 1199.00
True Cost: 0.00
True Cost Over Initial Period: 33494.58
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 599.00
Booking Fee: 175.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 153.93
Lender Product Reference: XF0107
Detail
Family Building Society (NCBS) 3 Year Fixed No Fee Purchase Family Mortgage Product Switch FAM2.69%FixedNov-20204.54%4.1%APRC30-Nov-2020 £095%
Product Code: 0023M4
Product Name: 3 Year Fixed No Fee Purchase Family Mortgage Product Switch
Lender Code: FAM
Lender Name: Family Building Society (NCBS)
Initial Pay Rate: 2.69
Mortgage Class: Fixed
Initial Rate Period: Nov-2020
Initial Rate Period Months: 38
Standard Variable Rate: 4.54
Apr Lenders: 4.1
Early Repayment Charge Applies Until: 30-Nov-2020
Early Repayment Charge Period Sort Field: 1450
Initial Monthly Payment: 870.67
Monthly Payment After Initial Period: 1038.18
Fees Total: 130.00
True Cost: 0.00
True Cost Over Initial Period: 33215.46
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 153.93
Lender Product Reference: XF0107
Detail
Family Building Society (NCBS) ATOM 3 Year Fixed No Fee Purchase Family Mortgage Product Switch FAM2.69%FixedNov-20204.54%4.1%APRC30-Nov-2020 £095%
Product Code: 0023M5
Product Name: ATOM 3 Year Fixed No Fee Purchase Family Mortgage Product Switch
Lender Code: FAM
Lender Name: Family Building Society (NCBS)
Initial Pay Rate: 2.69
Mortgage Class: Fixed
Initial Rate Period: Nov-2020
Initial Rate Period Months: 38
Standard Variable Rate: 4.54
Apr Lenders: 4.1
Early Repayment Charge Applies Until: 30-Nov-2020
Early Repayment Charge Period Sort Field: 1450
Initial Monthly Payment: 870.67
Monthly Payment After Initial Period: 1038.18
Fees Total: 229.00
True Cost: 0.00
True Cost Over Initial Period: 33215.46
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 153.93
Lender Product Reference: XF0107
Detail
Family Building Society (NCBS) Brightstar 3 Year Fixed No Fee Purchase Family Mortgage Product Switch FAM2.69%FixedNov-20204.54%4.1%APRC30-Nov-2020 £095%
Product Code: 0023M6
Product Name: Brightstar 3 Year Fixed No Fee Purchase Family Mortgage Product Switch
Lender Code: FAM
Lender Name: Family Building Society (NCBS)
Initial Pay Rate: 2.69
Mortgage Class: Fixed
Initial Rate Period: Nov-2020
Initial Rate Period Months: 38
Standard Variable Rate: 4.54
Apr Lenders: 4.1
Early Repayment Charge Applies Until: 30-Nov-2020
Early Repayment Charge Period Sort Field: 1450
Initial Monthly Payment: 870.67
Monthly Payment After Initial Period: 1038.18
Fees Total: 429.00
True Cost: 0.00
True Cost Over Initial Period: 33215.46
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 153.93
Lender Product Reference: XF0107
Detail
Family Building Society (NCBS) Complete FS 3 Year Fixed No Fee Purchase Family Mortgage Product Switch FAM2.69%FixedNov-20204.54%4.1%APRC30-Nov-2020 £095%
Product Code: 0023M7
Product Name: Complete FS 3 Year Fixed No Fee Purchase Family Mortgage Product Switch
Lender Code: FAM
Lender Name: Family Building Society (NCBS)
Initial Pay Rate: 2.69
Mortgage Class: Fixed
Initial Rate Period: Nov-2020
Initial Rate Period Months: 38
Standard Variable Rate: 4.54
Apr Lenders: 4.1
Early Repayment Charge Applies Until: 30-Nov-2020
Early Repayment Charge Period Sort Field: 1450
Initial Monthly Payment: 870.67
Monthly Payment After Initial Period: 1038.18
Fees Total: 329.00
True Cost: 0.00
True Cost Over Initial Period: 33215.46
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 153.93
Lender Product Reference: XF0107
Detail
Family Building Society (NCBS) Positive Lending 3 Year Fixed No Fee Purchase Family Mortgage Product Switch FAM2.69%FixedNov-20204.54%4.1%APRC30-Nov-2020 £095%
Product Code: 0023M8
Product Name: Positive Lending 3 Year Fixed No Fee Purchase Family Mortgage Product Switch
Lender Code: FAM
Lender Name: Family Building Society (NCBS)
Initial Pay Rate: 2.69
Mortgage Class: Fixed
Initial Rate Period: Nov-2020
Initial Rate Period Months: 38
Standard Variable Rate: 4.54
Apr Lenders: 4.1
Early Repayment Charge Applies Until: 30-Nov-2020
Early Repayment Charge Period Sort Field: 1450
Initial Monthly Payment: 870.67
Monthly Payment After Initial Period: 1038.18
Fees Total: 425.00
True Cost: 0.00
True Cost Over Initial Period: 33215.46
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 153.93
Lender Product Reference: XF0107
Detail

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The mortgage products displayed above are as a result of the following search: Reason for Mortgage: Purchase; Property Valuation: £200000; Mortgage Amount: £190000; Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: All Offset: No Product Term Period From: 0 Months; Product Term Period To: 300 Months; . For a more accurate quotation please use our Quick Mortgage Quote facility.

Mortgage product availability is subject to status and availability.

Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions. To confirm details and availability of any product please click the “Do I Qualify” button.