95% LTV mortgage rates today Every deal at 95% loan to value.
90 deals at 95% loan to value from 11 UK lenders, from 5.14%. On a £300,000 home that is a £15,000 deposit and about £1,622 a month. Read from the lenders’ own sites on 12 November 2026.
- Lowest rate
- 5.14%
- Deposit on £300,000
- £15,000
- Lenders
- 11
- Read from their sites
- 12 Nov 2026
The lowest 95% LTV mortgage rates by length of deal
The lowest rate published for each length of deal at 95% loan to value, a 5% deposit, by the 11 lenders here that lend at it. Only deals open to a new-build buyer are counted.
| Deal | Up to | Rate | Then | Fee |
|---|---|---|---|---|
| Leeds Building SocietyHome Mover Only 2 Year Fixed Rate · £1,499 fee · home movers only | 95% LTV | 5.52%2-year fixed | 7.74% | £1,499 |
| Barclays3 Yr Fixed · £899 fee | 95% LTV | 5.56%3-year fixed | 5.99% | £899 |
| Skipton Building Society5 Years Fixed · £995 fee | 95% LTV | 5.58%5-year fixed | 6.29% | £995 |
| Nationwide Building Society2 Year Base Rate Tracker · £999 fee · first-time buyers only | 95% LTV | 5.14%2-year tracker | 6.74% | £999 |
95% mortgages by lender
Each lender’s lowest 2-year and 5-year fixed rate at 95% loan to value. A lender’s name opens all of its rates.
| Lender | 95% LTV5% deposit |
|---|---|
 | 5.52%2-year fixed, £1,499 |
 | 5.60%2-year fixed, £999 |
 | 5.66%2-year fixed, no fee |
 | 5.67%2-year fixed, £495 |
 | 5.69%2-year fixed, £999 |
 | 5.70%2-year fixed, no fee |
 | 5.74%2-year fixed, £995 |
 | 5.75%2-year fixed, no fee |
 | 5.83%2-year fixed, no fee |
 | 6.79%2-year fixed, £999 |
95% LTV mortgage rates: your questions
What are 95% mortgage rates today?
The lowest rate at 95% loan to value is 5.14%, Nationwide Building Society’s 2-year tracker, with a £999 fee. The lowest 2-year fix is 5.52% (Leeds Building Society). The Bank of England’s average 2-year fix at 95% was 5.70% in September 2026.
What would a 95% mortgage cost a month?
On a £300,000 home, a 5% deposit is £15,000 and the loan £285,000. At the lowest 2-year fixed rate, 5.52%, that is about £1,622 a month over 30 years, before fees.
Which lenders offer 95% mortgages?
11 of the 11 lenders here publish deals at 95% loan to value for buying a home: Barclays, Coventry Building Society, HSBC, Leeds Building Society, Metro Bank, NatWest, Nationwide Building Society, Santander, Skipton Building Society, TSB, Yorkshire Building Society.
Can I get a 95% mortgage on a new build?
Yes, from most lenders here. Some keep their highest loan to value deals from new builds: the deals shown here are only those open to a new-build buyer. Many 95% loans are backed by the government’s Mortgage Guarantee Scheme.
How much more does a 5% deposit cost than a 10% one?
On a £300,000 home, the lowest 2-year fix is 5.52% at 95% and 5.23% at 90%: about £1,622 against £1,488 a month, £134 more for the smaller deposit.
Where do these mortgage rates come from?
From each lender’s own website, read every night by NewHomeSearch: 11 UK lenders, their rates, fees, loan to value bands and early repayment charges exactly as they publish them for buying a home. We are not a broker, take no commission and rank nothing for payment, so every deal is shown on the same terms, sorted by its numbers. Rates change, and a lender decides who it lends to: check a deal with the lender before you apply.
Your next step
Compare every deal for a 5% depositHow we read the rates
- From each lender’s own website, every night. 11 UK lenders, read at 02:45 UTC; this page’s rates were read on 12 Nov 2026. Every rate links the page it came from.
- No broker, no commission, no paid placings. Nothing here is ranked for money, so every deal is shown on the same terms, sorted by its numbers.
- Only deals that lend on new-build homes. Every home on NewHomeSearch is a new build, so a deal its lender keeps from new builds is never shown.
- The sums done for you. Monthly payments, the true cost over the deal and the APRC are worked out with the lender’s own fees, in the comparison, for your price and deposit.
An illustration, not advice: rates change, and a lender decides who it lends to. Check a deal with the lender before you apply. How NewHomeSearch reads the lenders’ sites.