{"id":28622,"date":"2025-04-22T12:58:42","date_gmt":"2025-04-22T11:58:42","guid":{"rendered":"https:\/\/smh.group\/?p=28622"},"modified":"2025-04-22T12:58:42","modified_gmt":"2025-04-22T11:58:42","slug":"low-deposit-mortgage-deals-hit-17-year-high","status":"publish","type":"post","link":"https:\/\/devstagesite.co.uk\/smhgroup\/low-deposit-mortgage-deals-hit-17-year-high\/","title":{"rendered":"Low-deposit mortgage deals hit 17-year high"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If you\u2019re looking to buy a home with a smaller deposit, there\u2019s good news: low-deposit mortgages are making a comeback, and 2025 is shaping up to be one of the best years in nearly two decades to explore your options.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you\u2019re a first-time buyer or moving home, here\u2019s what the rise in low deposit loan-to-value (LTV) mortgages means for you and how SMH Residential Mortgages can help you make the most of it.<\/span><\/p>\n<h3><b>More choice for buyers with 5\u201310% deposits<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">According to <\/span><a href=\"https:\/\/moneyfactscompare.co.uk\/\"><span style=\"font-weight: 400;\">Moneyfacts<\/span><\/a><span style=\"font-weight: 400;\">, there are now <\/span><b>1,287 mortgage deals available at 90% and 95% LTV<\/b><span style=\"font-weight: 400;\">\u2014the highest number since 2008.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>442 deals at 95% LTV<\/b><span style=\"font-weight: 400;\"> (just 5% deposit)<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>845 deals at 90% LTV<\/b><span style=\"font-weight: 400;\"> (10% deposit)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">That\u2019s nearly double the choice buyers had just two years ago, opening up more opportunities for those who\u2019ve been struggling to save large deposits.<\/span><\/p>\n<h3><b>Rates are improving too<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">It\u2019s not just the number of deals that\u2019s growing, rates for low-deposit mortgages are also slowly coming down:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>95% LTV (5% deposit)<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> \u2013 Two-year fixed average: <\/span><b>5.81%<\/b><span style=\"font-weight: 400;\"> (lowest in over two years)<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"> \u2013 Five-year fixed average: <\/span><b>5.62%<\/b><b><\/p>\n<p><\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>90% LTV (10% deposit)<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> \u2013 Two-year fixed average: <\/span><b>5.59%<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> \u2013 Five-year fixed average: <\/span><b>5.33%<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Mortgage rates have been falling steadily since last year, especially for fixed-rate deals. The difference between two- and five-year fixes is now just 0.14%, giving buyers more flexibility when choosing a term.<\/span><\/p>\n<h3><b>Why now could be a smart time to act<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The mortgage market has settled in recent months, with more lenders competing for business, especially in the low-deposit space. That competition means better deals and more options for buyers with smaller deposits.<\/span><\/p>\n<h3><b>Don\u2019t just go for the lowest rate &#8211; get the right advice<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">It\u2019s tempting to jump at the lowest advertised interest rate, but the best mortgage deal isn\u2019t always the one with the smallest number. Fees, flexibility, and long-term affordability all matter too.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That\u2019s where <a href=\"https:\/\/devstagesite.co.uk\/smhgroup\/residential-mortgages\/\">SMH Residential Mortgages<\/a> comes in. As an experienced mortgage broker, we search across a wide panel of lenders to find the right deal for your situation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\ud83d\udcde Call us on <\/span><b>0114 266 4432<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> \ud83d\udce7 Or email <\/span><b>info@smh.group<\/b><\/p>\n<p><i><span style=\"font-weight: 400;\">As a mortgage is secured against your home, it may be repossessed if you do not keep up the mortgage repayments. This site is intended for UK residents only and the laws of England are applicable.<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re looking to buy a home with a smaller deposit, there\u2019s good news: low-deposit mortgages are making a comeback, and 2025 is shaping up to be one of the best years in nearly two decades to explore your options. Whether you\u2019re a first-time buyer or moving home, here\u2019s what the rise in low deposit loan-to-value (LTV) mortgages means for you and how SMH Residential Mortgages can help you make the most of it. More choice for buyers with 5\u201310% deposits According to Moneyfacts, there are now 1,287 mortgage deals available at 90% and 95% LTV\u2014the highest number since 2008. 442 deals at 95% LTV (just 5% deposit) 845 deals at 90% LTV (10% deposit) That\u2019s nearly double the choice buyers had just two years ago, opening up more opportunities for those who\u2019ve been struggling to save large deposits. Rates are improving too It\u2019s not just the number of deals that\u2019s growing, rates for low-deposit mortgages are also slowly coming down: 95% LTV (5% deposit) \u2013 Two-year fixed average: 5.81% (lowest in over two years) \u2013 Five-year fixed average: 5.62% 90% LTV (10% deposit) \u2013 Two-year fixed average: 5.59% \u2013 Five-year fixed average: 5.33% Mortgage rates have been falling steadily [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":28623,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[175],"tags":[563,565],"class_list":["post-28622","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-residential-mortgages","tag-ltv","tag-mortgage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Low-deposit mortgage deals hit 17-year high - 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