By clicking a retailer link you consent to third party cookies that track your onward journey. If you make a purchase, Which? will receive an affiliate commission which supports our mission to be the UK's consumer champion.

95% mortgage calculator

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

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.

Looking for 95% mortgages?

Find the right mortgage using the fee-free service provided by L&C Mortgages

Compare mortgages

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
  • 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.

Need a mortgage?

Find the best mortgage for you, with expert help provided by L&C Mortgages

Get advice now