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95% mortgage calculator

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

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.

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
Need advice?

Working out how much you need to save can be confusing. For tailored advice based on your personal circumstances, you can speak to Which? Mortgage Advisers.

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


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 0800 197 8461 or fill in the form below for a free call back.

If you'd like to talk to an expert adviser about your mortgage options, complete your details and Which? Mortgage Advisers will give you a free call back.

Request a FREE call back
  • Completely impartial advisers who don't work on commission
  • We'll search the whole of the market including direct deals
  • Free initial consultation - a fee is only payable if you decide to apply for a mortgage
Submit request When you complete this form your details are sent securely to Which? Mortgage Advisers. We will only contact you for your free consultation. Your home may be repossessed if you do not keep up repayments on your mortgage.

Correct as of date of publication.


Which? Mortgage Advisers listen carefully to what you need, then search thousands of mortgages to choose the No.1 for you, even if it's one you can only get direct from the lender.

Call us now to start the conversation

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