95% Mortgages Explained...
If you can raise at least a 5% deposit, then there are lenders out there still offering 95% mortgages. However, they are risky due to the equity you will have in the property and should that bubble burst again, you maybe in a position of negative equity.
Mortgage Lenders also consider this loan to value ratio a high risk, therefore you may pay higher than average interest rates and/or fee’s.
There is a wide range of information on the governments Help to Buy Scheme website, click the link to find out more information on these products.
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Online Mortgage Calculators
We were getting a little fed up of the local estate agents trying to use their mortgage broker, so we used google, filled out the form, spoke to a guy and had a mortgage which beat quotes from our own bank, with the same bank.
Robbie and Chloe, Belper, UK
Easy process from start to finish, made it as simple as possible for me. Life Insurance was sorted at the same time to save me doing it at a later date.
Tracy Pole, Eastwood, UK
Self Employed builder and struggled with mainstream lenders to get a Mortgage, took me 5 minutes to complete the form and within a week I'd been sorted. Mark and the team helped me loads and love living in my own house.
Anonymous, Allestree, UK
We sent an enquiry about a mortgage and within a few hours a Mortgage Adviser called and went through out details. We received Mortgage Offer in Principal which we sent to the Estate Agents and within a couple of months we were in. The service received is second to none.
Tom & Selina Harold, Derby, UK