Compare 95% Mortgages For First Time Buyers

Compare the best 95% mortgages for first time buyers that are available now from UK mortgage lenders and find the 95% FTB mortgage deal that will help you get on the ladder for less. Our comparison of 95 percent mortgages for first time buyers makes securing the first time buyer mortgage deal with the lowest interest rate easy.
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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.

Northern Rock 5yr 4.58% Fixed R/M LTV 80%

  • Mortgage APR of 4.7 percent is available with the mortgage.
  • 4.7% payment rate is offered.
  • Maximum term of 35 yrs is available with the mortgage.
  • Get a maximum LTV of 80 percent from this 5yr 4.58% Fixed R/M LTV 80%.

Holmesdale Building Society Term SVR + 1.00% BTL LTV 70%

  • The mortgage gives a 5 percent rate only rate.
  • Loading on lender's base interest rate of 1 percent is offered with this mortgage.
  • Term SVR + 1.00% BTL LTV 70% product description is available to you.
  • You get 70% remortgage max LTV.
  • Get an introductory rate APR of 5.89% from this Term SVR + 1.00% BTL LTV 70%.
  • Holmesdale Building Society gives first time buyer minimum loan of £26,000.

GE Money Home Lending Lifetime FTB variable LTV 75% Int Only Semi Excl

  • Loading on lender's base interest of 1.39% is offered.
  • This mortgage gives a lender's base interest of 4 percent.
  • Term standard variable rate date is available with the mortgage.
  • The mortgage offers a 75 percent right to buy max ltv/valuation.
  • This mortgage gives a 5.39 percent initial rate APR.

Halifax 3yr 4.49% Fixed R/M LTV 60% Intermediary

  • New customers get varies payment rate from Halifax.
  • A 3.99% final interest rate is offered.
  • Customers get maximum term of 40 years.
  • Minimum length of 0 years is offered to new customers.
  • You can get tie-in time after rate of 0 yrs.

Leeds Building Society 2yr 4.99% Fixed LTV 85% Intermediary

  • Customers have the benefit of max LTV of 85 percent.
  • The mortgage gives an 85% house purchase maximum LTV.
  • New customers get 0 yrs tie-in duration after rate from Leeds Building Society.
  • This Leeds Building Society 2yr 4.99% Fixed LTV 85% Intermediary has a 5.9% payment rate.
  • Get 85 percent remortgage maximum LTV from Leeds Building Society.
  • New customers will get 5.69% final interest.

BM Solutions 5yr 5.04% Fixed BBR BTL LTV 75%

  • Get rate only mortgage payment payment basis.
  • This BM Solutions mortgage has a maximum overall portfolio value of £2,000,000.
  • Get £25,001 house purchase minimum loan.
  • Get 5yr 5.04% fixed BBR BTL LTV 75% product description from BM Solutions.