95% mortgage calculator

se our 95% mortgage calculator to work out how much you'll be able to borrow with a 5% deposit.

Which? Money team
Last updated: Nov 2018
If you're a first-time buyer, taking out a 95% mortgage could be a way for you to get onto the property ladder with a small deposit.

Your income is one of the main things a mortgage lender considers when deciding how much you can borrow. Our 95% mortgage calculator helps you figure out how much you'll be able to afford for your first home based on your income and a 5% deposit.

And if you want to discuss your mortgage options, call Which Mortgage Advisers for a free consultation on 0808 231 0532.


How do I get a mortgage with a small deposit?
There are a few different ways of getting onto the property ladder with a small deposit. Find out more in our guides:

95% mortgages - you borrow 95% of the property price from a mortgage lender
Guarantor mortgages - your family member guarantees the loan, potentially helping you borrow more at better rates
100% mortgages - with the help of a guarantor you could buy a property without any deposit at all
Help to Buy - government schemes to help you buy with a small deposit
Get personal advice on your mortgage options
If you’re hoping to buy your first home and want a free consultation about your mortgage options, call Which Mortgage Advisers on 0808 231 0532 or fill in the form below for a free call back.

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