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Speak to an Advisor 7 days, 8am - 10pm
A 95% mortgage in York lets you buy a home with just a 5% deposit, with the rest provided by your lender.
These mortgages are often offered to first time buyers, home movers, and even customers remortgaging to release funds, giving more people the opportunity to get the property they want without needing a large deposit.
For example, if you were buying for £240,000, you’d need £12,000 as your deposit, with the remaining £228,000 covered by your mortgage.
Our mortgage advisors in York can compare 95% deals from multiple lenders to help find one that suits your plans.
Getting a 95% mortgage in York starts with proving to a lender that you can manage the repayments and meet their criteria.
This usually means showing evidence of your income, sharing details of your regular outgoings, and having your 5% deposit ready.
Lenders will also check your credit history to see how you have handled borrowing in the past.
As a mortgage broker in York, we can review 95% mortgage deals from a range of lenders to help you find one that matches your situation.
When looking at 95% mortgages in York, there are several types of products to consider.
Some people prefer a fixed rate mortgage, where the interest rate stays the same for an agreed period, making it easier to budget each month.
Others choose a variable or tracker mortgage, where the rate can change in line with the Bank of England base rate or their lender’s standard rate.
There may also be government-backed options available from time to time, aimed at helping more people buy with a smaller deposit.
We provide mortgage advice in York and can talk you through the differences, helping you find the type of 95% mortgage that suits your plans.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Our Customers Love Us
63 5 Star Reviews
Alasdair Hamilton
I haven't given 5 stars because I don't believe that anything is perfect. But I can say that I received excellent service and great communication. Our house purchase was not straightforward but the mortgage application was made simple.
29 Jun 2026
Hannah Ellam
jade and joe were great - super helpful and made the process easy for us as first time buyers:)
29 Jun 2026
Marvin van Schalkwyk
Dan was helpful, professional, and explained every step on our application clearly.
9 Jun 2026
Florence Williams
Very helpful, friendly and efficient team. Thank you for making the whole process as smooth as possible
4 Dec 2025
Loren Kinera
Tom made the entire process easy. He communicated throughout and was very quick! We will definitely be using him again and would recommend to any friends and family.
25 Sep 2025
Sarah
Absolutely brilliant service from Matt and Lizzie - both friendly , efficient and very helpful ! Highly recommend :)
10 Apr 2025
Xander Shooter
Malcolm and Lizzi and the rest of the team have provided first class service. Talking us through the mortgage process and assisting anywhere they could with the house buying world. Two phone calls and two video calls and boom mortgage done leaving no question unanswered. Absolutely brilliant service. Almost looking forward to remortgaging in a few years. 10/10 would recommend to anyone especially first time buyers.
4 Apr 2025
Neil Whitehead
Great service - personable, knowledgeable and efficient.
6 Mar 2025
Coral Berry
Very friendly and helpful staff. Fast completion and made getting our first mortgage much less stressful. Highly recommended!
23 Feb 2025
Katy Town
Brilliant service from Tom and Paula. They always kept us up to date and answered any questions we had. Paula kept things moving and in touch with the mortgage company to make sure everything ran smoothly.
3 Dec 2024
The first step is to get in touch for mortgage advice in York.
We’ll learn more about your plans, the type of property you’re looking to buy, and your financial situation.
This helps us understand which lenders and 95% mortgage deals could be right for you.
Once we know your circumstances, we’ll search through 95% mortgage products from a range of lenders.
We’ll recommend the one that most suitable fits your needs and explain the details clearly so you know exactly what to expect.
When you’re happy to go ahead, we’ll help prepare your application and submit it to the lender.
We’ll also let you know what documents they’ll need, such as proof of income and details of your deposit.
After your mortgage is approved and all the legal work is done, you’ll be ready to collect your keys.
We’ll stay in touch throughout the process so you always know what’s happening and can look forward to moving into your new home.
We understand that arranging a mortgage needs to fit around your life, not the other way round.
That’s why we’re available seven days a week, including evenings, so you can speak to us at a time that works best for you.
Our customers regularly share their experiences in reviews, and we’re proud to have helped many people in York secure their mortgage.
These reviews reflect our dedication to providing a helpful, reliable service from start to finish.
Every buyer’s situation is different, which is why we take time to understand your needs before recommending a mortgage.
Whether you’re a first time buyer or moving to your next home, we focus on finding the 95% mortgage that’s right for you.
From your first enquiry through to collecting your keys, we’ll be with you at every step.
We aim to make the process as smooth as possible, keeping you updated and answering your questions along the way.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Yorkmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Yorkmoneyman 2009–2026
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Yorkmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Yorkmoneyman 2009–2026
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