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Mortgages Widest range of 95% deals since 2008

The Guardian

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February 14, 2026

Would-be first-time buyers have the biggest choice of low-deposit mortgages for at least 18 years, new data shows, suggesting that 2026 is looking positive for those trying to get a foot on the property ladder.

- Rupert Jones

Mortgages Widest range of 95% deals since 2008

Many banks and building societies have been loosening their affordability rules recently or launching deals that let people borrow 95% of the property's value, and in some cases more than that.

Saving up a deposit is one of the biggest challenges facing would-be buyers, who can find that each month most of their money is being eaten up by rent and living costs.

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