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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've saved up a 5% deposit you'll probably want to know how much you could borrow with a 95% mortgage, and whether this would be enough to afford a property.

Your salary is one of the main things a mortgage lender considers when deciding how much you can borrow. Our 95% mortgage calculator shows what property price you might be able to afford, plus what the mortgage repayments would look like, based on your income and a 5% deposit.

If' you'd like advice on 95% mortgages and help finding a lender who'll say yes, call Which Mortgage Advisers for a free consultation on 0800 197 8461.

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 could guarantee 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 equity loans - the government will loan you a percentage of the price of a new-build property, meaning you take out a smaller mortgage
  • Shared ownership - you buy a share of a property and pay rent on the rest.

If you're in the process of saving for a deposit and want an idea of when you'll have saved up enough to buy in your particular area, check out our mortgage deposit calculator.

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 you can only go direct.

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