95% Mortgages
A lower-deposit route for eligible buyers
A mortgage with a smaller deposit
If you are ready to buy but do not have a large deposit, this option can help you move forward with a clearer monthly plan and a fixed application process.
- Designed for buyers with a 5% deposit
- Simple checks on affordability and repayment comfort
- Clear next steps from enquiry to application
How it works
Check eligibility
Review your deposit, income, and monthly commitments.
Choose a term
Pick a repayment period that keeps payments manageable.
Apply with confidence
Move through the process with support at each stage.
Plan ahead
Think about fees, protection, and future overpayments.
More information
Things to know
Next steps
Frequently asked questions
How much deposit do I need?
A 5% deposit is the starting point for this route.
Can I overpay?
Overpayment options depend on the product terms agreed when you apply.
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