95% mortgages | NatWest

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95% mortgages

You could buy your own home
with as little as a 5% deposit

NatWest mortgages are available for over 18s

Your home may be repossessed if you do not keep up repayments on your mortgage

What is a 95% mortgage?

✔ A 95% mortgage allows you to borrow up to 95% of the total cost of your property, so you could buy your dream home with a deposit of at least 5%, but less than 10%.


✔ This means for a property worth £120,000, you would only need a deposit of £6,000!

Am I eligible for a 95% mortgage?

✔ 95% mortgages are available to first time home buyers as well as those moving home or buying a second residential property.


✔The mortgage must be taken out on a capital and interest repayment basis (i.e. it can’t be interest only).

Is my property eligible for a 95% mortgage?

✔ The property you’re purchasing should be worth less than £600,000.


✔ The property must not be a new build home.


✔ A new build is defined as any property built, first occupied in its current state or significantly modernised, refurbished or altered within the last 2 years.

Why don't we offer 100% mortgages?

A 100% mortgage is where the bank lends you the entire cost of the property you are looking to buy. We don’t offer this because it’s high risk for both us and you. 

Our 95% mortgage makes it much easier to get your foot on the property ladder with a small deposit, but also better protects your investment.


How to get a 95% mortgage

You can apply for a 95% mortgage by phone or in branch. Although you cannot apply online, our mortgage calculators can help you on your way to buying your home. 


Mortgage tools to get you started

Compare our mortgages and monthly repayments

Take a look at what you could borrow and compare the 95% mortgage with other mortgage types.

Mortgage Calculators

Get an online Agreement in Principle

If you have your eye on a property, an Agreement in Principle puts you in an ideal place to begin searching for your new home with confidence.

Get an Agreement in Principle

Ready to apply?

You cannot apply online for a 95% mortgage. However our guide takes you through the process, right up to applying in phone or in branch. 

Mortgage application process

We're here to help

If you have any questions about getting a mortgage with us, please get in touch. You can chat online or by phone, or visit your local branch.

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