More than 500 deals now offer 95% loans as banks and building societies loosen their borrowing rules
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.
In recent months many banks and building societies have been loosening their affordability rules or launching deals that let people borrow 95% of the property’s value, and in some cases more than that.
