Use our calculators to help work out your monthly payments for the amount you need
• Start an Agreement in Principle (AiP) online to find out quickly if you could borrow the amount you need without affecting your credit score
• Subject to application, financial circumstances and borrowing history. Terms and conditions apply Your home may be repossessed if you do not keep up repayments on your mortgage.

Applying for a mortgage?
Whether you want to buy a first or new home, remortgage your current property, borrow more or buy to let we’re here to help. You’ll find guides to the types of mortgages we offer and tips on applying for a mortgage. You can also find out if you’re eligible under the mortgage guarantee scheme to apply for a 95% mortgage. Mortgage guarantee scheme Up to 95% mortgages You can apply for the scheme with a minimum deposit of 5% of the property purchase price, whether you’re buying your first home or planning to move..

What is the mortgage guarantee scheme? The government’s mortgage guarantee scheme enables us to offer 95% mortgages for first-time buyers and people looking to move to a new home – as long as they have a deposit of between 5% and 9.99%. It’s available for buying a property that will be your only home, and you’ll need to submit your mortgage application to us by 30th June 2025. How does the mortgage guarantee scheme work? If you want a minimum 5% deposit mortgage, you can apply to borrow up to £570,000 for a house or £275,000 for a flat. You can apply for one of our fixed-rate mortgages, including a five-year fixed-rate mortgage.  The scheme offers a guarantee to us and other lenders, which enables us to offer 95% LTV mortgages. You’ll still have to pay back what you borrow, along with interest and any fees.

Who is eligible to apply for the mortgage guarantee scheme through us? Whether you’re a first-time buyer or an existing home owner looking to move, you can apply with a minimum deposit of 5% of the property purchase price. You won’t be charged any application fees. The 95% mortgage guarantee scheme is suitable if you
• Are buying a property that will be your only home
• Are applying for a single or joint mortgage
• Want to apply for a repayment mortgage, with no interest-only part
• Have a deposit of between 5% and 9.99% and are looking for a 95% LTV mortgage

You can’t use the scheme to
• Buy a new-build property
• Buy a second home, or a buy-to-let property
• Apply for a commercial mortgage
• Apply for an interest-only mortgage
How to apply for a 95% mortgage Our up to 95% mortgage range – also known as 95% LTV mortgages – lets you apply when you have a deposit of between 5% and 9.99% of the property price. Find out what you could borrow, what you’ll need and how to book a mortgage appointment.