Talking 95% Loan to Value Mortgage

5% Deposit too good to be true?

Ian is joined by Alan Sherville (Financial Adviser) to discuss the new 5% deposit mortgages that have recently been released.

Although the prospect of a 95% mortgage is appealing, it is important to discuss some better options and the concerns Alan as a mortgage adviser has too.

This is a must watch live video for the parents out there and first time buyers thinking about using a 5% deposit mortgage.



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Young people have been locked out of homeownership. Deposits are impossible to save. Mortgage rules are too strict. And ‘Generation Rent’ is now permanent. According to the narrative by the newspapers, younger generation homeownership has collapsed.

The latest figures from the Office for National Statistics (ONS) suggest something rather unexpected. After years of worsening affordability, the picture has begun to improve. Wages have risen faster than house prices since 2021, nudging the headline affordability ratios in the right direction. On the face of it, that feels like progress.

Are you contemplating moving home in Warfield during the next 9 months?

The latest figures from the Office for National Statistics (ONS) suggest something rather unexpected. After years of worsening affordability, the picture has begun to improve. Wages have risen faster than house prices since 2021, nudging the headline affordability ratios in the right direction. On the face of it, that feels like progress.