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2Submit Your Application

Once you've chosen your preferred mortgage deal, we'll steer you through the paperwork with comprehensive application management from start to finish.

3Mortgage Completion

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Back|Bad Credit

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How Can I Repair my Credit Score to Get a Mortgage?

How Does the Help to Buy Scheme Work for Bad Credit Applicants?

How to Decipher Your UK Credit Reports

How to Qualify for a Mortgage with Zero Credit Score

How to Secure a Bad Credit Buy to Let Mortgage

Is it Possible to Find a Mortgage After Bankruptcy?

Joint Mortgage Applicant Has Bad Credit

Back|Bridging

Bridging Finances

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Finding Regional UK Bridging Loans

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Back|Buy to Let

Buy to lets

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Best Buy to Let Mortgages: 75% LTV

Buy to let 80% LTV Mortgages

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Back|Self Employed

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Back|Equity Release

Lifetime Mortgages

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Mortgage Calculator Guide for Expats

Back|Interest Only

Interest-Only Lifetime Mortgages

Switching Your Mortgage to Interest-Only

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Interest-Only Mortgage for First-Time Buyers

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Back|Mortgage Affordability

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Back|Income Types

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Back|Residential Mortgages

Back|Commercial Mortgages

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Back|Property Types

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Back|Remortgages

Back|Mortgage Declined

How To Deal With Having A Mortgage Declined On Affordability

Finding a Solution When You Have Had a Mortgage Declined Post-Valuation

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Tips and Advice on Proceeding If You Get Declined for a Mortgage After Exchanging Contracts

What to Do if You Have Had a Mortgage Application Declined

Back|First Time Buyers

First Time Buyers

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Finding a First Time Buyer Mortgage With a 5% Deposit

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Back|Offset Mortgage

How To Find the Lowest Fixed Rates on Offset Mortgages

What is a Flexible Mortgage - And Who is It Best Suited To?

Offset Mortgages Rated - Pros and Cons

Average Rates on UK Offset Mortgages

What Are Cashback Mortgages - and How Do They Work?

Guide to Understanding UK Offset Mortgages

Is a UK Current Account Mortgage Right For You?

Guide to Offset Mortgage Online Calculators

How Family Offset Mortgages Work

Mortgage Reserves - How an Offset Works

Back|Other Mortgages

Second Charge Mortgages

Applying for a Mortgage With a New Job

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Can I Mortgage a Contaminated Land Investment?

Can I Mortgage a Listed Grade Two Property?

Can I Get a Mortgage While on Maternity Leave from Work?

How Does a Public Footpath Impact My Mortgage Chances?

How Many Mortgage Products Can I Have Simultaneously?

What Deposit Sources are Acceptable in the UK?

What Sort of Homeowner Loan Am I Eligible For?

Complete Guide to the UK Mortgage Process

How Can a Broker Improve My Mortgage Eligibility Assessment?

Remortgage Deals with a 5% Deposit

Have a low 5% deposit and want to know which mortgage offers and products you can realistically qualify for? Read on for detailed advice about applying for a UK mortgage with a 5% down payment.

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About your mortgage

Single or joint mortgage?

Single

Joint

What’s your yearly income?

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Do you receive a regular bonus?

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Based on your yearly income,

you may be able to borrow

This calculator is an estimation of how much you could borrow. If you’re ready to take out a mortgage, speak to a Revolution brokers to see what options are available.

£0

Most lenders will let you borrow 4.5 times your annual salary so, as long as you have a standard 10% deposit, you should be able to borrow this much.

£0

Depending on your personal circumstances, some lenders may let you borrow 5 times your salary.

£0

Lenders usually cap the amount they lend at 5.5 times your salary, so it’s unlikely you’ll be able to borrow more than this.

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Almas Uddin

Founder and Mortgage Advisor

2023-05-09

Remortgage Deals with a 5% Deposit

In the current lending climate, few lenders can offer a remortgage at up to 95% of Loan to Value (LTV).

Help to Buy has meant that more first time buyers can borrow as high as 95% of the value of their property, but securing a remortgage of this value is more specialist - with the main barrier being the risk analysis criteria that each lender must consider.

Business finance broker does work with niche lenders who can offer high LTV ratios, and who will consider a remortgage application leaving 5% equity in your property. To secure a 95% remortgage, it is vital to work with an experienced broker who can liaise with the right lenders.

For more support with any of the information contained in this guide, or with finding the best mortgage lenders offering up to 95% remortgages, give us a ring on 0330 304 3040 or drop us a message at [email protected].

Already Interested, Let’s Get Started!

The following

topics are

covered below

How Can I Remortgage my Property at a 95% Loan to Value?

What Remortgage Rates Should I Expect to Pay on a 95% LTV?

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Why Revolution Brokers?

Whole of market brokers

Mortgage that suits you

On time customer support

How Can I Remortgage my Property at a 95% Loan to Value?

When remortgaging, the biggest challenge is always ensuring you get a rate that is lower than the one you are currently paying. If you have a mortgage on a competitive rate, deciding to remortgage might mean being offered interest charges at higher than they are now.

Typically, a residential mortgage will have a fixed interest period, but then after this initial time, reverts to the lenders Standard Variable Rate (SRV).

SRVs can range from 3-5% with most lenders, and upwards of 6% in some cases.

Remortgage rates with LTVs of 95% are around 5% plus on the current averages, which means there is a greater chance you won't find a mainstream lender who can remortgage at lower than your current rates.

To find a competitive interest rate on a high LTV remortgage, you can:

Look at paying some of the existing mortgage balance off, to reduce your remortgage application to 90% LTV; and thus, be able to apply to more lenders and secure better mortgage rates.
Work with an experienced broker to identify lenders who can offer 90%+ remortgages at around 3.5% interest rates (currently the best deals on the market).
Ensure you only apply to lenders who will remortgage at a higher LTV, and compare the eligibility criteria to ensure you don't spend time on an application that won't be accepted.

If you're struggling to find a lender who fits your needs, the Revolution team is always on hand to help!

What Remortgage Rates Should I Expect to Pay on a 95% LTV?

Remortgage rates change daily; and published rates may not be offered, depending on multiple other criteria.

Lenders will consider:

Your equity in the property.
The reason(s) for the remortgage.
Your credit score and credit history.
Other loans and obligations.
Income and affordability.

If you are looking for a 95% remortgage, and want to find the most appealing offers available, contact Revolution Finance today.

Our team is available on 0330 304 3040, or you can email us at [email protected].

Almas Uddin

Founder and Mortgage Advisor

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As specialist mortgage brokers for a huge variety of applicants, the whole-of-market consultants at Revolution provide access to an exceptional range of lenders, products and mortgage deals. That means you get the advantage of professional negotiation and broker-exclusives through an established lending network to ensure we always find you the most competitive mortgage available.

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature.

We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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Remortgage Deals with a 5% Deposit

Discover What Our Customers

About your mortgage

Based on your yearly income, you may be able to borrow

Remortgage Deals with a 5% Deposit

How Can I Remortgage my Property at a 95% Loan to Value?

What Remortgage Rates Should I Expect to Pay on a 95% LTV?

Whole of market brokers

Mortgage that suits you

On time customer support

How Can I Remortgage my Property at a 95% Loan to Value?

What Remortgage Rates Should I Expect to Pay on a 95% LTV?

Further Reading

Applying for a Remortgage on an Unencumbered Property

Choosing the Best Broker for Remortgaging

Comparing Remortgage Quotations

Choosing the Right UK Remortgage Lender

Day One Remortgaging Explained

Help To Buy Remortgaging Advice

Fees, Taxes and Costs of Remortgaging

Finding a Probate Mortgage

How to Find a Cheap Remortgage Rate

How to Release Equity Through Remortgaging

Mortgages During Employment Probationary Periods

Remortgage Deals with a 5% Deposit

Pros & Cons: Secured Loans vs Remortgaging

Porting Your Mortgage - The Revolution Guide

Refinancing Debt Through Remortgaging

Transferring Your Mortgage Products

Remortgaging Your Home in Retirement

Remortgaging to Finance Home Renovations

Remortgages for Second Property Purchases

Remortgages for Debt Consolidation

Remortgaging with Non-standard Income Streams

Can You Remortgage Early During a Fixed-Term Contract?

Can You Be Refused a Remortgage?

Can You Remortgage With Bad Credit?

Do You Need a Solicitor to Remortgage?

Guidance on Choosing When to Remortgage

How Does Remortgaging Work?

How Long Does a Remortgage Take?

How to Remortgage: A Step-by-Step Guide

What Can I Do if I Can’t Remortgage Due to Affordability?

What Happens on Remortgage Completion Day?

What Do You Need to Remortgage?

Why Do People Remortgage Their Homes?

How Much Does it Cost to Remortgage?

What Is a Remortgage: Example

Do You Need a Deposit to Remortgage?

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