Low deposit mortgages
Whether you have a 5% or 10% deposit saved, Angela specialises in getting mortgages for people with low deposits - searching the whole market and working specifically with the lenders who specialise in low deposit lending, even if you have been turned down elsewhere.
Not everyone can put aside a big deposit before buying. No fee if she can't help, and same-day decisions in principle for urgent cases.
Where you might be
- 5% deposit saved
- 10% deposit saved
- First-time buyer
- Moving with a small deposit
- Low deposit plus credit issues
- Turned down elsewhere
A 95% mortgage is a 5% deposit mortgage
The jargon splits one idea into two names. Put down 5% and borrow the remaining 95%, and you have a 95% mortgage. Put down 10% and borrow 90%, and that is a 90% mortgage. Whichever way you searched for it, the job is the same: finding the lender who will do the most with the deposit you actually have.
Angela has direct access to all UK lenders, including the sub-prime and adverse specialists, and speaks with their underwriters regularly to get applications accepted - even after a decline elsewhere.
How Angela helps low deposit buyers
There is a wide range of specialist lenders with specific eligibility criteria for low deposit lending, and choosing between them is the whole game. Angela will discuss your situation, advise on the strongest route for you, and present your application so it has the highest chance of success.
Not everyone is able to put aside a lot of money for a deposit, and helping people buy anyway is a specialism she is genuinely passionate about.
Based in Benfleet, Essex - advising clients across the whole of the UK.
Mortgage application was submitted the same day we enquired…
Fair questions, straight answers
Can I get a mortgage with only a 5% deposit?
Yes. Lenders exist who lend at 95%, and Angela works with the ones who specialise in it. Whether it is the right move for you depends on your circumstances - which is exactly what the free initial conversation establishes.
Is a 95% mortgage the same as a 5% deposit mortgage?
Yes - two names for the same thing. The percentage either describes what you put down (your deposit) or what you borrow (the loan to value). 5% down means borrowing 95%.
Can I get a low deposit mortgage with bad credit?
A small deposit plus credit issues narrows the lender list, but it does not empty it. Adverse credit is Angela's home ground - direct access to sub-prime lenders and regular underwriter contact.
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Only got a small deposit?
5% and 10% deposit mortgages exist. The question is which lender suits your circumstances - find out before you view another house.
Seven quick questions. Nothing touches your credit file.
or call 01268 387898