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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.

Almas Uddin
Almas Uddin

Founder and Mortgage Advisor

Almas Uddin2024-06-15
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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].

AboutAbout your mortgage
Single or joint mortgage?
What’s your yearly income?

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about your mortgage

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


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.


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


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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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
Almas Uddin

Founder and Mortgage Advisor

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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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