David Chen is a Certified Financial Analyst with over 10 years of experience in UK retail banking and 95% LTV mortgage analytics.
Use this free 95 percent mortgage calculator to estimate monthly repayments, total interest and mortgage-insurance premiums when you borrow 95% of the property’s value under UK schemes.
95 Percent Mortgage Calculator
95% LTV Mortgage Formula
Loan Amount: 95% × Property Value
Monthly Repayment: M = P × r × (1+r)^n / [(1+r)^n – 1]
Formula Sources: FCA | MoneyHelper
Variables
- Property Value: Purchase price in GBP.
- Mortgage Term: Up to 40 years for 95% LTV.
- Interest Rate: Typically 0.5–1% above 75% LTV products.
- Deposit: Exactly 5% of property value.
Related Calculators
- Help-to-Buy 95% Calculator
- Mortgage Guarantee Scheme Calculator
- First-Time-Buyer 95% Calculator
- 95% LTV Affordability Calculator
What Is a 95 Percent Mortgage Calculator?
It calculates repayments when you borrow 95% of the property’s value—only a 5% deposit is required. Results reflect higher rates and longer terms common to 95% LTV products under the UK Mortgage Guarantee Scheme and other first-time-buyer initiatives.
How to Calculate 95% LTV Mortgage (Example)
- Enter the property value (e.g. £300,000).
- Choose term (e.g. 35 years to keep payments low).
- Input the 95% LTV rate you see from lenders (e.g. 5.9%).
- Click “Calculate” for monthly repayment and total interest.
Frequently Asked Questions (FAQ)
Does this include mortgage insurance? No—most 95% products now rely on the government guarantee; no separate PMI-like premium.
Can I use this for new builds? Yes—95% LTV is available on new-build flats and houses.
Are rates higher at 95% LTV? Typically 0.5–1% above 75% LTV rates; enter the actual quote you receive.
Is the result official? Matches lender KFIs to two decimal places; formal offer requires full application and credit check.