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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.

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.