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Compare 95% mortgages for first time buyers

You only need a 5% deposit with one of these 95% mortgages that are suitable for first time buyers.

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150 results found, sorted by affiliated products by lowest initial rate. How we order our comparisons. Commission earned affects the table's sort order.
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Chorley Building Society 2 year discount for first time buyers
Maximum LTV
95%
Initial rate
2.39% for 2 years (2.85% discount on SVR)
Subsequent rate (SVR)
5.24% variable
Overall cost for comparison
4.9% APRC
Available via brokers only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Scheme fee£599 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.85% of amount paid, in the first two years

Other fees may apply.

Eligibility
Available in England
Broker Only
First Time Buyers Only
First Time Buyers
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Chorley Building Society 2 year discount for first time buyers
Maximum LTV
95%
Initial rate
2.39% for 2 years (2.85% discount on SVR)
Subsequent rate (SVR)
5.24% variable
Overall cost for comparison
4.9% APRC
Available via brokers only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Scheme fee£599 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.85% of amount paid, in the first two years

Other fees may apply.

Eligibility
Available in England
Broker Only
First Time Buyers Only
First Time Buyers
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Darlington Building Society 5 year fixed for first time buyers
Maximum LTV
95%
Initial rate
2.99% fixed until 30 Nov 2026
Subsequent rate (SVR)
5.3% variable
Overall cost for comparison
4.3% APRC
Available via brokers only. Area restrictions may apply.
More information
Account fee£120 paid on completion
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£499 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of the outstanding balance, in the first two years

- 4.00% of the outstanding balance, in the third year

- 3.00% of the outstanding balance, in the fourth year

- 2.00% of the outstanding balance, in the fifth year

Other fees may apply.

Eligibility
Available in England
Broker Only
First Time Buyers Only
First Time Buyers
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Darlington Building Society 5 year fixed for first time buyers
Maximum LTV
95%
Initial rate
2.99% fixed until 30 Nov 2026
Subsequent rate (SVR)
5.3% variable
Overall cost for comparison
4.3% APRC
Available via brokers only.
More information
Account fee£120 paid on completion
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£499 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of the outstanding balance, in the first two years

- 4.00% of the outstanding balance, in the third year

- 3.00% of the outstanding balance, in the fourth year

- 2.00% of the outstanding balance, in the fifth year

Other fees may apply.

Eligibility
Available in England
Broker Only
First Time Buyers Only
First Time Buyers
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Tipton & Coseley 3 year fixed
Maximum LTV
99%
Initial rate
2.99% fixed until 30 Sep 2024
Subsequent rate (SVR)
4.94% variable
Overall cost for comparison
4.4% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 4.00% of amount paid, before 30 Sep 2021

- then 3.00% of amount paid, until 30 Sep 2022

- then 2.00% of amount paid, until 30 Sep 2023

- then 1.00% of amount paid, until 30 Sep 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at application75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Tipton & Coseley 3 year fixed
Maximum LTV
99%
Initial rate
2.99% fixed until 30 Sep 2024
Subsequent rate (SVR)
4.94% variable
Overall cost for comparison
4.4% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 4.00% of amount paid, before 30 Sep 2021

- then 3.00% of amount paid, until 30 Sep 2022

- then 2.00% of amount paid, until 30 Sep 2023

- then 1.00% of amount paid, until 30 Sep 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at application75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Mansfield 3 year discount cashback mortgage
Maximum LTV
100%
Initial rate
3.05% for 3 years (2.3% discount on SVR)
Subsequent rate (SVR)
5.35% variable
Overall cost for comparison
4.9% APRC
More information
Application fee£199 paid upfront (non-refundable)
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first three years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Mansfield 3 year discount cashback mortgage
Maximum LTV
100%
Initial rate
3.05% for 3 years (2.3% discount on SVR)
Subsequent rate (SVR)
5.35% variable
Overall cost for comparison
4.9% APRC
Area restrictions may apply.
More information
Application fee£199 paid upfront (non-refundable)
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first three years

Other fees may apply.

Eligibility
Available Direct
Available in England
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Loughborough 2 year discount
Maximum LTV
100%
Initial rate
3.1% for 2 years (2.24% discount on SVR)
Subsequent rate (SVR)
5.34% variable
Overall cost for comparison
5.0% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of the original loan, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Leeds Building Society 2 year fixed
Maximum LTV
95%
Initial rate
3.2% fixed until 31 Oct 2023
Subsequent rate (SVR)
5.29% variable
Overall cost for comparison
4.8% APRC
The initial rate will be followed by a rate of 4.04% until 31 Oct 2026 (1.25% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, before 31 Oct 2021

- then 2.00% of amount paid, until 31 Oct 2022

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Coventry Building Society 2 year fixed
Maximum LTV
95%
Initial rate
3.25% fixed until 30 Sep 2023
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.3% APRC
The initial rate will be followed by a rate of 3.99% until 30 Sep 2026 (0.5% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Sep 2022

- then 1.00% of amount paid, until 30 Sep 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Loughborough 2 year discount
Maximum LTV
100%
Initial rate
3.25% for 2 years (2.09% discount on SVR)
Subsequent rate (SVR)
5.34% variable
Overall cost for comparison
5.1% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£499 paid on completion
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of the original loan, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Skipton 2 year fixed
Maximum LTV
95%
Initial rate
3.25% fixed until 30 Nov 2023
Subsequent rate (SVR)
4.64% variable
Overall cost for comparison
4.4% APRC
The initial rate will be followed by a rate of 3.64% until 30 Nov 2026 (1% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£495 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Earl Shilton 5 year discount for first time buyers
Maximum LTV
95%
Initial rate
3.29% for 5 years (1.6% discount on SVR)
Subsequent rate (SVR)
4.89% variable
Overall cost for comparison
4.4% APRC
Available in branch only.
More information
Application feeNo fee
Arrangement fee£999 with an option to add to the loan
Booking fee£125 paid upfront (non-refundable)
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first two years

- 1.50% of amount paid, between 24 and 48 months

- 1.00% of amount paid, in the fifth year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Minimum Income£15,000
Permanent UK Resident
Self Employed Acceptedfalse
HSBC 2 year fixed
Maximum LTV
95%
Initial rate
3.29% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.6% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking fee£999 with an option to add to the loan
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first year

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Nationwide 2 year fixed cashback mortgage for first time buyers
Maximum LTV
95%
Initial rate
3.3% fixed for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.50% of the outstanding balance, in the first year

- 0.75% of the outstanding balance, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Acceptedfalse
Nationwide 2 year fixed cashback mortgage for first time buyers
Maximum LTV
95%
Initial rate
3.35% fixed for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.7% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.50% of the outstanding balance, in the first year

- 0.75% of the outstanding balance, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Acceptedfalse
Nationwide 3 year fixed cashback mortgage for first time buyers
Maximum LTV
95%
Initial rate
3.35% fixed for 3 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.6% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of the outstanding balance, in the first year

- 1.50% of the outstanding balance, in the second year

- 0.75% of the outstanding balance, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
BankofIreland4Intermediaries 2 year fixed
Maximum LTV
95%
Initial rate
3.37% fixed until 31 Oct 2023
Subsequent rate (SVR)
4.09% variable
Overall cost for comparison
4.0% APRC
Available via brokers only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, before 31 Oct 2022

- then 2.00% of amount paid, until 31 Oct 2023

Other fees may apply.

Eligibility
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Broker Only
First Time Buyers
Max age at term end75 years
Minimum Age18 years
Minimum Income£20,000
Permanent UK Resident
Self Employed Accepted
Leeds Building Society 2 year fixed
Maximum LTV
95%
Initial rate
3.38% fixed until 31 Oct 2023
Subsequent rate (SVR)
5.29% variable
Overall cost for comparison
4.8% APRC
The initial rate will be followed by a rate of 4.04% until 31 Oct 2026 (1.25% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, before 31 Oct 2021

- then 2.00% of amount paid, until 31 Oct 2022

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Virgin Money 2 year fixed cashback mortgage
Maximum LTV
95%
Initial rate
3.38% fixed until 01 Dec 2023
Subsequent rate (SVR)
4.34% variable
Overall cost for comparison
4.1% APRC
Available on repayment basis. For residential interest only and part and part loans there is a minimum combined gross income requirement of £75,000.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.50% of the outstanding balance, before 01 Dec 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at application68 years
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Virgin Money 2 year fixed cashback mortgage for first time buyers
Maximum LTV
95%
Initial rate
3.38% fixed until 01 Dec 2023
Subsequent rate (SVR)
4.34% variable
Overall cost for comparison
4.1% APRC
Available on repayment basis. For residential interest only and part and part loans there is a minimum combined gross income requirement of £75,000.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.50% of the outstanding balance, before 01 Dec 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at application68 years
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Virgin Money 3 year fixed cashback mortgage for first time buyers
Maximum LTV
95%
Initial rate
3.38% fixed until 01 Dec 2024
Subsequent rate (SVR)
4.34% variable
Overall cost for comparison
4.1% APRC
Available on repayment basis. For residential interest only and part and part loans there is a minimum combined gross income requirement of £75,000.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.50% of the outstanding balance, before 01 Dec 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at application68 years
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Hinckley & Rugby Building Society 2 year fixed
Maximum LTV
95%
Initial rate
3.39% fixed for 2 years
Subsequent rate (SVR)
5.89% variable
Overall cost for comparison
5.0% APRC
The initial rate will be followed by a rate of 4.24% for 3 years (1.65% discount on SVR).
More information
Application feeNo fee
Arrangement fee£199 paid upfront
Booking feeNo fee
Completion fee£800 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at application80 years
Max age at term end85 years
Minimum Age18 years
Minimum Income£10,000
Permanent UK Resident
Self Employed Accepted
Skipton 2 year fixed cashback mortgage
Maximum LTV
95%
Initial rate
3.39% fixed until 30 Nov 2023
Subsequent rate (SVR)
4.64% variable
Overall cost for comparison
4.4% APRC
The initial rate will be followed by a rate of 3.64% until 30 Nov 2026 (1% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted

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

Overall representative example

Based on borrowing£170,000 over 25 yearsThe overall cost of comparison3.72% APRC representative
Initial rate2.30% fixed for 2 years (24 instalments of £741.17pm)Subsequent rate (SVR)3.92% variable for the remaining 23 years (276 instalments of £879.17pm)
Lender fee£584Total amount payable£261,022.71

Can you get 95% mortgages for first time buyers?

Buying a home for the first time is expensive and saving up enough of a deposit can be a real challenge. Fortunately, some 95% loan to value (LTV) mortgages - which only require a small deposit - are available to first time buyers. You may be able to get one if:

    Here is how to get your first mortgage

    What are 95% mortgages?

    A 95% LTV mortgage is a mortgage worth 95% of the value of the property you want to buy. For example, if you want to buy a house worth £200,000, a 95% mortgage would let you borrow £190,000.

    You will need to provide the remaining £10,000, worth 5% of the property value, yourself from your savings - this is known as the deposit

    Here is how to save up a mortgage deposit

    Should I get a 5% deposit mortgage?

    For many people keen to get on the property ladder, 5% deposit mortgages for first time buyers are the only affordable choice.

    However, the more you are able to save towards a deposit, the more likely you are to get accepted for a mortgage, and the cheaper the interest rate will be. Therefore it can sometimes pay to wait a little longer before buying your first home. Check out our tips on how to save up for a deposit.

    If you can only afford to put down a 5% deposit, you're more likely to get accepted if you have a good credit score, low levels of debt and a regular income - lenders will want to see evidence that you could afford your monthly mortgage repayments.

    What is the government 95% mortgage guarantee scheme?

    The mortgage guarantee scheme was introduced by the government in April 2021. It aims to encourage lenders to offer more 95% mortgages, after the majority were withdrawn from the market at the height of the Covid-19 pandemic.

    The scheme guarantees to compensate lenders for a portion of any losses incurred if a borrower defaults on their mortgage payments and the lender has to repossess the property.

    Although there is no direct benefit to the borrower, the scheme should result in a greater number of 95% mortgages being launched onto the market, giving borrowers more choice. Indeed, HSBC, Santander, Lloyds, Barclays and NatWest have already unveiled mortgages under the scheme and more lenders are expected to follow suit.

    How to find the right 95% mortgage

    To find the right 95% LTV mortgage, you need to work out:

      When you know what mortgage you need, you can use our comparison to find the right deal.

      Here is how to work out what type of mortgage is right for you

      What are the alternatives to a 95% mortgage for first time buyers?

      If you are struggling to get a 95% mortgage as a first time buyer, there are other ways you can buy your first home:

        If you do not have a 5% deposit saved up, read our guide to see if you could get a mortgage with no deposit.

        Compare mortgages for first time buyers

        95% mortgages for first time buyers FAQs

        Yes, you may be able to get a mortgage without a deposit if you have a guarantor. This is someone (usually a friend or family member with a good credit record) who guarantees to repay your mortgage if you are unable to. For all other mortgages, you need at least a 5% deposit, but there are also schemes to help you buy your first home.

        The more you can save for a deposit, the more likely you are to be accepted for a mortgage and the better the interest rate will be. Take a look at our tips on how to save up for a deposit.

        Before you apply for a mortgage, it's crucial that you check whether you can afford it. To do this, work out how much you earn and spend each month and compare this to how much buying a home will cost you.

        When comparing mortgages you may notice that some lenders add a fee of around 1.5% if your deposit is less than 10%. This is known as a higher lending charge, but not every lender charges this as a separate fee, so check carefully.

        Yes, you can do this by taking out a joint mortgage. The advantage is that if you both earn a regular income, you could borrow more than you could on your own, making the repayments easier to afford.

        The downside is that you will have a financial association with the person you buy with. This means they will be linked to you on your credit record and if they have bad credit, it could affect your ability to borrow. Here is how joint mortgages work.


        About our mortgage comparison

        We include mortgages from every lender in the UK. They are all from lenders regulated by the Financial Conduct Authority. Here is more information about how our website works.

        We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
        You do not pay any extra and the deal you get is not affected.

        Last updated: 18 May 2021