95% LTV Mortgage Guarantee Scheme

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95% Loan to Value Mortgage Guarantee Scheme

For all home buyers

To help home buyers with a 5% deposit to get on the housing ladder the government introduced a mortgage guarantee scheme.
This scheme is available to current homeowners and first time buyers. It enables you to secure a mortgage with only a 5% deposit on a property up to a maximum value of £600,000. This scheme is available to both second hand properties and new builds.

How does it work?

With this scheme, the government guarantees the last proportion of your mortgage over 80%. Meaning on a 95% mortgage, the government guarantees the last 15%  of the mortgage and will compensate the lender should the mortgage fall into arrears. This scheme is available until December 2022. If you’re ready to apply for a 95% mortgage, contact our friendly specialist team who will search the open market to find a great mortgage deal to suit your circumstances. We have access to an extensive range of lenders and will find the right mortgage to suit you. We offer no obligation advice throughout your buying journey, from mortgage application to completion and handover of your new home – best of all, our advice is FREE.
Please note:
This scheme is only available for repayment mortgages. Second homes or buy-to-lets are not eligible for this scheme.

For more information on 95% mortgage guarantee scheme, click below

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First Homes

The Scottish Government will provide a maximum equity loan of £25,000

Shared Ownership

Can’t quite afford a 100% Mortgage on your own?

Help to Buy

Helping your with up to 15% of the purchase price of a new home.