Compare 5% Deposit Mortgages For First Time Buyers

Compare the best 5% deposit mortgages for first time buyers side by side and see which of the 95% mortgage deals available will charge you the best interest rates and the lowest fees so you can make the right choice. We make it easy to find the 5 percent deposit mortgages for first time buyers that best suit your circumstances.
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Mortgage TypeInitial RateFinal RateAPRFTB Max LTV 
APREnd Date 
Promoted Results
NatWest
2yr 4.79% Fxd LTV 95% Direct NewBuy scheme
Fixed Rate4.79%31 Jul
2014
4%4.3%95%
NatWest
5yr 5.49% Fxd LTV 95% Direct NewBuy Scheme
Fixed Rate5.49%31 Jul
2017
4%4.9%95%
Full Results
Ulster Bank
5yr 0.21% Disc FTB LTV 95% Shared Equity
Discounted3.79%31 May
2017
4%4%95%
Available for first time buyers only.
Market Harborough Building Society
 
Term 1.50% Disc Family Deposit C/B LTV 95% Direct
Discounted3.99%
300
months
n/a
4.1%95%
NatWest
2yr 4.79% Fxd LTV 95% Direct NewBuy scheme
Fixed Rate4.79%31 Jul
2014
4%4.3%95%
Lloyds TSB
3yr 4.29% Fxd LTV 95% Ex/C Lend a Hand Direct
Fixed Rate4.29%31 Aug
2015
3.99%4.3%95%
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
Lloyds TSB
3yr 4.29% Fxd LTV 95% Ex/C Lend a Hand Branch
Fixed Rate4.29%31 Aug
2015
3.99%4.3%95%
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
Lloyds TSB
3yr 4.39% Fxd LTV 95% Ex/C Lend a Hand Branch
Fixed Rate4.39%31 Aug
2015
3.99%4.3%95%
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
Newbury Building Society
 
5yr 0.50% Discount Offset FTB LTV 95% Direct
Discounted3.95%
60
months
4.45%4.3%95%
Available for first time buyers only.
Lloyds TSB
3yr 4.39% Fxd LTV 95% Ex/C Lend a Hand Direct
Fixed Rate4.39%31 Aug
2015
3.99%4.3%95%
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
RBS
2yr 6.15% Fxd LTV 100% Ex/B Main A/C Direct
Fixed Rate6.15%31 Jul
2014
4%4.4%100%
Available for existing borrowers only. N.B. Such mortgages may not be displayed on the lender's website.
Lloyds TSB
3yr 4.89% Fxd LTV 95% Ex/C Lend a Hand Direct
Fixed Rate4.89%31 Aug
2015
3.99%4.4%95%
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
Lloyds TSB
3yr 4.89% Fxd LTV 95% Ex/C Lend a Hand Branch
Fixed Rate4.89%31 Aug
2015
3.99%4.4%95%
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
Lloyds TSB
3yr 4.99% Fxd LTV 95% Ex/C Lend a Hand Branch
Fixed Rate4.99%31 Aug
2015
3.99%4.4%95%
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
Newbury Building Society
 
3yr 0.50% Discount Offset FTB LTV 95% Direct
Discounted3.95%
36
months
4.45%4.4%95%
Available for first time buyers only.
Lloyds TSB
3yr 4.99% Fxd LTV 95% Ex/C Lend a Hand Direct
Fixed Rate4.99%31 Aug
2015
3.99%4.4%95%
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
Halifax
2yr 5.99% Fxd H/P LTV 95% Direct Only NewBuy
Fixed Rate5.99%31 Aug
2014
3.99%4.6%95%
Halifax
2yr 5.99% Fxd H/P LTV 95% Ex/C Direct Only NewBuy
Fixed Rate5.99%31 Aug
2014
3.99%4.6%95%
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
Halifax
2yr 6.39% Fxd H/P LTV 95% Direct Only NewBuy
Fixed Rate6.39%31 Aug
2014
3.99%4.6%95%
Halifax
2yr 6.39% Fxd H/P LTV 95% Ex/C Direct Only NewBuy
Fixed Rate6.39%31 Aug
2014
3.99%4.6%95%
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
Nationwide
Flex 3yr 6.24% Fxd FTB C/B LTV 95% Ex/C S2B Direct
Fixed Rate6.24%
36
months
3.99%4.8%95%
Available for first time buyers and for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
NatWest
5yr 5.49% Fxd LTV 95% Direct NewBuy Scheme
Fixed Rate5.49%31 Jul
2017
4%4.9%95%
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Mortgages Comparison

Alternative Mortgages

You may want to compare the above mortgages with the following.

Mansfield Standard LTV 75% Direct only

  • Enjoy £0 minimum lump sum withdrawal from Mansfield.
  • Customers get 0 years minimum term from Mansfield.
  • You have the benefit of 75% remortgage maximum LTV.
  • Customers get 5.59% introductory rate APR.
  • New customers will get 25 years maximum term.

NatWest Int Sols 2yr BBR + 3.89% BTL R/M LTV 75%

  • Remortgage maximum LTV of 75 percent is available to customers.
  • A tie-in time after initial rate of 0 yrs is available from NatWest Int Sols.
  • The NatWest Int Sols mortgage has an intro rate end date of 30 apr 2013.
  • Interest only rate of 4.8 percent is available to new customers.

Derbyshire Building Society 2yr 6.99% Fxd H/P LTV 85% Direct Only Ex/B

  • You take advantage of mortgage APR of 4.7 percent.
  • This mortgage offers a rate only rate of 4.7%.
  • Fixed rate end date of 31 jul 2014.
  • Benefit from a repayment rate of 4.7 percent.

Halifax 3yr 5.54% Fixed R/M LTV 85% Intermediary

  • You get mortgage rate of 5.54%.
  • Halifax gives remortgage minimum loan of £0.
  • An intro rate term of 36 months is available from Halifax.
  • Get 31 aug 2015 fixed interest end date.
  • Have the benefit of 75.01% minimum loan to value.
  • Halifax gives right to buy minimum loan of £0.

Leeds Building Society 2yr 1.69% Discount LTV 85% Intermediary

  • New customers will get £5,000 first time buyer minimum loan.
  • This mortgage offers a 5.7% interest only rate.
  • Take advantage of 24 months introductory rate end date.
  • The mortgage gives £25,000 remortgage minimum loan.

GE Money Home Lending 2yr 0.30% Discount LTV 75% Semi Excl

  • You get 75% house purchase maximum LTV from GE Money Home Lending.
  • Get 5 yrs minimum period from GE Money Home Lending.
  • Remortgage max LTV of 75 percent is available.
  • 4.79% final interest is offered with the mortgage.
  • 24 months intro rate end date is offered.

GE Money Home Lending 2yr 4.69% Fixed LTV 70% Semi Excl LR/HF

  • Get an introductory rate APR of 4.69%.
  • Get 5 yrs minimum period from GE Money Home Lending.
  • The mortgage offers 24 months intro rate end date.
  • GE Money Home Lending offers max LTV of 70%.
  • A 70 percent house purchase max LTV is available.

Chelsea Building Society 2yr 4.04% Fixed LTV 85% Direct

  • 85 percent remortgage maximum LTV.
  • You enjoy 85% house purchase maximum LTV from Chelsea Building Society.
  • 75% maximum LTV interest only is offered with the mortgage.
  • A 31 aug 2014 introductory rate end date is offered.
  • This 2yr 4.04% Fixed LTV 85% Direct has £75,000 right to buy minimum loan.