95% Mortgages

95% Mortgages - 95% mortgages are mortgages offering a 95% loan to value ratio. Market conditions determine the availability of 95% mortgages, as they have a high Loan to Value Ratio in comparison to some other mortgages, especially 100% mortgages. Borrowers are only asked to deposit 5% of the value of the property in order to secure 95% mortgages. Many lenders require proof of income when offering 95% buy to let mortgages. Stringent terms and conditions may render 95% mortgages as complex products.

At Capital Fortune, we know the market and are in contact with lenders and their underwriters from a whole-of-market base. We use our knowledge and contacts to secure some of the best deals for our clients, depending on their circumstance. We are impartial and not tied to any particular lender so we offer a holistic view of the products available on the market. Our advisers offer a personalised service to our clients, sifting through the finer details of the available 95% mortgages. This, and using our extensive market experience, allows us to select deals which are tailored to the needs of our clients,

The table below displays some of the current best 95% mortgages on the market from our database.

Call our mortgage broker team now on 0845 3 630 430 or complete the Mortgage Enquiry Online. As part of our service, we will call you back.

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Contact Us

Capital Fortune
City Office

14 Nicholas Lane
London
EC4N 7BN

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

The overall cost for comparison on residential mortgages is 4.5% APR. The actual rate available will depend on your personal circumstances.

There will be a fee for our mortgage advice, the precise amount will depend upon your circumstances but we estimate that it will be £995, payable £495 at the outset but refunded if your mortgage application is declined upon initial underwriting. The balance of our fee is typically paid on completion. Your fee will not be refunded should you withdraw from the process or not accept our recommendation. Ask your Advisor for confirmation of our fees which we will email to you in an Initial Disclosure Document (IDD). You can find further information on our Terms of Business here.

The Financial Services Authority does not regulate some forms of buy to let, commercial mortgages, secured loans, bridging finance, trusts and conveyancing.

Capital Fortune Ltd is an Appointed Representative of Pink Home Loans. Pink Home Loans is a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Services Authority. Capital FortuneLtd Registered office address: 14 Nicholas Lane, Bank, London, EC4N 7BN. Registered in England and Wales No. 05683249.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

The Financial Services Authority does not regulate some forms of buy to lets, commercial mortgages, secured loans, unsecured loans, bridging loans, trusts, overseas mortgages, conveyancing or debt management.