Is A 95% House Mortgage Worth It?

Описание: Is a 95% mortgage really worth it—or are you better off saving for a bigger deposit? In today’s video, I break down the numbers and compare some of the UK’s biggest lenders to see just how much extra interest you'll pay if you only put down a 5% deposit.
We take a look at the latest rates from:
Nationwide
Halifax
Santander
HSBC
Lloyds
📊 Using real-world data and average UK house prices, I show the monthly payment differences between 90% and 95% mortgages, and what that means for first-time buyers trying to get on the property ladder.
💬 Should you go for a 95% mortgage just to get on the ladder faster—or wait, save more, and lock in a better rate? Let me know your thoughts in the comments!
🚫 Disclaimer: I’m not a financial advisor. This is not financial advice—just my opinion based on current figures and personal research.
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#95Mortgage #UKMortgages #firsttimebuyeruk #homebuyingtips #propertyladder #ukhousingmarket #MortgagesExplained #SavingForAHome #BorderLinesUK #InterestRates2025
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00:00 intro
00:10 Is A 95% House Mortgage Worth It?
07:50 outro
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