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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.
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4.98 Rating94 Reviews
Johnathan
First time buyer so I needed some help with the whole process, Leo Shakespear kindly guided me through everything. Highly recommended the service and the execution.
1 month ago
Preslav
As first-time buyers, my partner and I were very unsure of the home purchasing process, but Jason and Debbie made everything feel easy and effortless. From our initial consultation with Jason to receiving our mortgage offer, the advice we...
2 months ago
Sara
Very informative and very responsive team
4 months ago
Doreen
I couldn’t have wish for a better experience on my journey to buying my property through Uk Moneyman. Very professional, yet friendly, and easy to deal with. I’d recommend to anyone thinking of buying a property.
5 months ago
Andrew
Matt and Debbie from Birmingham money man have been very helpful so far in the process of buying our first house answering all our questions quickly and with detailed and understandable explanations. they have made the process easier and much less...
6 months ago
Alexander
Professional and provide a great service
7 months ago
Natasha
Absolutely fantastic service - highly recommended
7 months ago
Stephanie
Excellent, communication and supportive staff. They have been Very thorough and informative.
7 months ago
Anonymous
Incredibly helpful and responsive, friendly people and they made a daunting process easy and straightforward, would definitely use them again
9 months ago
Anonymous
Helpful and knowledgeable. Helped me make good decisions and managed to get the best possible deal.
9 months ago
SC
This has been a very challenging process that has taken a number of years to achieve. Birminghammoneyman brokers has been pivotal to me achieving my dream home. They have been patient and consistent in support and guidance. They are very reasonably...
1 year ago
Katia
They were really supportive and faster. I highly recommend their services.
1 year ago
Brian
I am very impressed and pleased with the service provided. Both Dan and Jonathan are consummate professionals who kept me informed at every stage of the process and were always on hand to answer any questions. They were sympathetic and eager to...
1 year ago
Mandy
They have been very helpful ,very patient helping sort any hiccups sorted everything in the end
1 year ago
Alistair
I have had a real good experience dealing with wayne and lizzie from uk moneyman they have been very informative and helpful couldent thank them enough for there work
1 year ago
Keith
You have given a very good act of yourself and very recommended by my shelf k gurney
1 year ago
Tayla-Leigh
The service that we received from Wayne and the team at UKMoneyMan was amazing. A straightforward and easy process. We highly recommend MoneyMan, especially to those that are first time buyers, everyone was so knowledgable and helpful. Friendly...
1 year ago
Harry
everyone from the money man uk team was a delight to work with, they made it all easy and stress free time for us and gave us all the support we needed. they was a pleasure to work with we will recommend them to family and friends and any future...
1 year ago
Anonymous
Dan was very helpful and knowledgeable and dealt with our mortgage quickly and efficiently.
1 year ago
Philip
Dan and Jonathan were very helpful and explained everything in detail. We were able to then make an informed decision on our lifetime mortgage.
1 year ago
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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