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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
4.96 Rating214 Reviews
Alison
Warren and his team have been really helpful and have supported our remortgage efficiently and successfully through to completion this month. We appreciated the personal touch and good understanding of our needs. Thank you very much !
4 weeks ago
Steven
Very happy with the level of service, helped us through every stage at no point did we feel like we didnt know what was going on.
3 months ago
Rebecca
Charlie was brilliant. Very friendly and efficient. Would definitely recommend.
5 months ago
nicholas
simple process with friendly and helpfull staff
6 months ago
Sarah
Fantastic, friendly service from a super efficient and highly knowledgeable team! This was the first time we've been through the process and we were fully supported at every stage.
6 months ago
Anonymous
Amazing team. Honest and helpful throughout. Malcolm is wonderful.
6 months ago
Lewis
Excellent, thorough service that is definitely worth the money.
7 months ago
Phil
Absolutely brilliant service from Conor and the rest of the team. I was provided clear details and guidance around my options and they made the process an absolute breeze. Really took the headache out of what can be a very stressful process. Would...
8 months ago
Raphaella
Brilliant service helping me to remortgage.
8 months ago
Katy
Matt and the team have been great. Quick turnaround from AIP to formal offer. Good advice and explained well in the initial stages. Overall very easy and simple process.
9 months ago
Nathan
Matt Collinson and his support team are brilliant, second time of using them and both times have been very smooth and simple! They have enabled to to exceed all my expectations the houses I would be able to purchase!
9 months ago
Reece
Very helpful, very efficient. Good service from a good team.
10 months ago
Anonymous
Made the remortgaging process very simple and completely painless! Highly recommend.
10 months ago
Anonymous
My industry generally uses fixed-term contracts and this complicated my situation when looking for my first mortgage. With my broker's help I was able to secure a mortgage and recently completed the purchase of a property. Thanks.
10 months ago
Grayson
smooth process throughtout. great communucation.would highly recommend to anyone looking for a mortgage broker.
10 months ago
Kieran
Helped me through my morgage process with no issues and was always just a phone call away to help me with any questions very great service throughout would highly recommend.
11 months ago
Mr.
Excellent advice given since I first started using their services. Honest and clear.
11 months ago
Chris
Fantastic service, Charlie and the UK Moneyman team went above and beyond to understand our financial situation and help us to get on the property ladder. Everything was patiently and clearly explained to us and we were kept up to date with the...
1 year ago
Anonymous
Excellent and personalised service
1 year ago
Alison
Have been very impressed. Certainly smoothed the whole process. Got a good deal on an atypical mortgage. Got an agreement in principle very quickly.
1 year ago
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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