95% mortgages are back which is great news for those who were struggling to raise a 10% deposit.

Accord and Bank of Ireland are the first 2 lenders to launch with both deals available through brokers only.

The deals are:


The lender will not be using the government’s mortgage guarantee scheme for this product, and is launching a five-year fixed rate mortgage – exclusively to first-time buyers with a 5% deposit – as part of its continued support to help people get on the property ladder.

Product Details

  • 5 Year Fixed
  • 3.99%
  • £995 Product Fee
  • Free Valuation

Key Criteria

To qualify for the new five-year fixed rate mortgage, first-time buyers will be able to borrow a maximum of 4.49 times their income, ensuring prudent affordability. Flats and new build homes are not permitted, and the maximum loan size is £500,000.



95% LTV residential mortgage to help you support first time buyers and movers, whether employed or self employed.

Product Details

  • 5 Year Fixed
  • 4.05%
  • No Product Fee

Key Criteria

Residential purchases on a repayment basis. Minimum loan size £150,000 and maximum loan size £500,000 (including fees). Available up to 4.49 x Loan to Income. Their standard property criteria will apply (new build properties excluded)


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