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For many first time buyers, a 95% mortgage is an appealing option as a means to save up a traditional 5% deposit, making homeownership more achievable.
To put it into perspective, if you’re eyeing a property priced at £200k, you would only need a minimum deposit of £10k (5%) and then proceed with a 95% mortgage for the remaining £190k to seal the deal.
Furthermore, 95% mortgages aren’t just for those venturing into homeownership for the first time. Current homeowners can also consider these mortgages when looking to remortgage and free up capital for various purposes.
If you’re keen on exploring your options with 95% mortgages or have any mortgage-related queries, don’t hesitate to book a free initial mortgage appointment to speak with one of our mortgage advisors in Birmingham – the consultation is on the house!
First and foremost, your income and employment status play a crucial role. Mortgage lenders want to ensure that you have a stable and reliable income that can support the monthly mortgage repayments.
The type of the property you’re interested in can also impact your chances of getting a 95% mortgage in Birmingham. Some mortgage lenders may have restrictions on certain types of properties, such as leasehold flats or homes with unconventional construction materials.
Your existing credit commitments also come into play. Mortgage lenders will take into account any personal loans, car loans, or credit card debt you currently have. They want to see that you have a good track record of managing your debts and paying them off on time.
Last but not least, your credit score and account conduct will be assessed. Mortgage lenders want to know if you have a history of making late payments or defaulting on loans. A poor credit score can make it challenging to secure a 95% mortgage in Birmingham. If you need any assistance, as a trusted mortgage broker in Birmingham, we’ll be happy to guide you through the process and do anything we can to try and secure you a 95% mortgage.
We specialise in helping first time buyers in Birmingham, home movers, and existing property owners find the perfect 95% mortgage deal with just a 5% deposit. Whether you’re interested in joint name or sole name mortgages, or if you’re a first time buyer, home mover, we’ve got you covered.
Our expert mortgage advisors in Birmingham will calculate how much you can borrow, estimate your monthly payments, and provide you with a mortgage agreement in principle document, all as part of our dedicated service. With our wealth of experience and knowledge, we can assist with various scenarios ranging from family gifted deposits to buying below market value properties, handling complicated situations, exploring bad credit mortgage options, offering mortgage solutions for those aged 50 and above, facilitating remortgages for capital raising, debt consolidation options, and providing tailored mortgages for self employed individuals or those with complex income structures.
For expert mortgage advice in Birmingham, speak to one of our advisors for free and let us guide you through the process with ease.
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
34 5 Star Reviews
Maria Duggan
UK Moneyman provided me with an excellent service as I navigated a complicated retirement mortgage. They have been unfailingly friendly, efficient & well- informed & were a reliable pleasure to deal with. Highly recommended.
23 Oct 2026
Marie Keville
I chose this company because sure of the reviews and then after talking to Jason, I felt comfortable. He found me an offer with NatWest but due to the long wait times with BCC, that offer expired. We had to get a new offer. I contacted Jason just before my offer expired. Sent him everything he needed and less than 3 weeks later, I got a new offer. The company is very responsive, I don’t think I’ve had to wait even 24 hours for a response to my emails. Every question answered quickly. Very decent price for the whole service. Once you get the offer through, they are still there every step of the way and everyone I’ve either spoken to or emailed have been extremely helpful. There is no part of my experience that I can say needs any improvement.
26 Jul 2026
Abdul Faheem Bhatti
They are the best mortgage broker I have seen in the region. They helped you with everything and eases you life. I must recommend them if you want a hassle free mortgage application.
30 Jun 2026
Khris Jones
Have worked with the team multiple times to secure my next mortgage, always efficient an knowledgeable. Will return for my next mortgage!
23 Jun 2026
Danae Larham
Fantastic service from Matt and Joe in particular. They made a complicated process that I didn't know much about seem entirely seamless and easy at every stage. They did not bombard me with communication and information, yet were on hand any moment I had a query, nothing was too much of a problem. Highly recommend.
15 Jun 2026
Dee Homer
Matt has been brilliant, hes explained and walked me through everything making it as easy and as straight forward as possible. Matt has been at the end of the phone, every time I've had questions or just needed some reassurance, I would recommend moneymanuk to anyone who is looking for an independent mortgage adviser xx
13 May 2026
Sophie O'Connor
Had a great experience with Money Man UK, who kept us informed and updated throughout every stage of the process. They were always transparent and never apposed to exploring all of our options and gave us time to consider them thoroughly. Would highly recommend and very glad we were recommended their services.
23 Apr 2026
Ethan Marshall
Jason and Lizzi were extremely helpful and ensured I got a good deal.
31 Mar 2026
Dainius Stepulevicius
Very helpful and informative. As a first time buyer with limited knowledge I was Guided with patience and great knowledge. Mortgage and Insurance was sorted within 2 weeks as painless as possible. Even providing references for shortlist of solicitors and thus saving more time. Best part even after Mortgage deal is done they are still happy to respond to other questions too. For that they are invaluable!
11 Jul 2025
besty jose
I had a fantastic experience working with Chris as my mortgage advisor. He was incredibly patient, always took the time to explain things clearly, and gave thoughtful advice whenever I needed it. Stacey handled all my paperwork efficiently and kept me updated throughout the process. Thanks to their combined efforts, I received my mortgage offer in less than 7 days! I am really grateful for their support and highly recommend their services.
15 Apr 2025
When you book your free initial mortgage appointment, you’ll have the opportunity to speak with a mortgage advisor in Birmingham. You can book your free initial mortgage appointment online or by giving a member of the team a call!
During your free initial mortgage appointment, our team of mortgage advisors in Birmingham will ask you a series of questions to try and find the most suitable mortgage option for you. We will also obtain your mortgage agreement in principle (AIP). Armed with the AIP, you can confidently make offers on properties.
Our team will search through 1000s of mortgages to find the perfect 95% mortgage deal for you in Birmingham. Once you are happy with the mortgage product we have found you and you have had an offer on a property accepted, we can begin the mortgage application process!
From here in the process, you will work alongside a dedicated case manager. They will make sure that you have all of the correct documents at the ready to support your mortgage application. Once we are ready, we can send your mortgage application off to the mortgage lender. All that is left to do now is to wait for the response back.
Contact us and arrange a free initial mortgage appointment with one of our mortgage advisors in Birmingham at your convenience.
During this appointment, your expert mortgage advisor in Birmingham will guide you through the mortgage process, answering all your burning questions and understanding your unique circumstances. We believe in providing personalised solutions that align with your financial goals.
We pride ourselves on our ability to find the most suitable mortgage deals by scouring through a vast selection of options. As a first time buyer in Birmingham, our main objective is to secure the most suitable deal that caters to your specific circumstances.
Our mission goes beyond simply finding you the ideal mortgage; our dedicated team is here to provide unwavering support throughout the entire process.
As your mortgage broker in Birmingham, we offer a personalised and supportive service, understanding each client’s unique needs and providing tailored solutions.
We understand the excitement and challenges that come with buying your first home, and we are here to support you every step of the way. Life is full of milestones, and we are passionate about helping you achieve this significant one.
Our team of experienced mortgage advisors in Birmingham are available day and night, ready to provide you with the reliable 95% mortgage advice in Birmingham you need. No matter the time, we are just a phone call away, ensuring that you can reach us at your own convenience.
With our dedicated team by your side, you can trust that you are in good hands. We are committed to helping you find the most suitable mortgage solution that suits your needs.
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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Birminghammoneyman 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.
© Birminghammoneyman 2009–2026
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Birminghammoneyman 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.
© Birminghammoneyman 2009–2026
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