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A 95% mortgage in Scunthorpe lets you purchase a home with just a 5% deposit, with the remainder provided through your mortgage.
Many lenders make these products available to first time buyers, home movers, and customers looking to remortgage to access funds, making it easier to buy a property without needing to save a larger deposit.
For example, if you were buying for £130,000, you’d need £6,500 as your deposit, with £123,500 funded by your mortgage.
Our mortgage advisors in Scunthorpe can review 95% mortgage offers from various lenders to find one that works for your situation.
Applying for a 95% mortgage in Scunthorpe involves proving to a lender that you are a reliable borrower and can afford the repayments.
You will normally be asked for proof of your income, a breakdown of your ongoing expenses, and confirmation that you have the 5% deposit available.
Your credit history will also be checked as part of the process.
A mortgage broker in Scunthorpe, like ourselves, we can compare 95% mortgage offers from various lenders to help you find one that works for your circumstances.
There are a few different types of 95% mortgages in Scunthorpe that you might come across.
Many buyers choose a fixed rate mortgage so their interest rate stays the same for a set period, giving more certainty over monthly repayments.
Others look at variable or tracker mortgages, where the rate can change in line with movements in the Bank of England base rate or the lender’s standard rate.
Government-backed schemes may also be available to help people buy with a smaller deposit.
We offer mortgage advice in Scunthorpe and can help you compare these options to find the right 95% mortgage for your needs.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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215 5 Star Reviews
Joseph Harros
As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.
29 Oct 2026
Jade Wilmot
As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.
29 Oct 2026
Diane A
First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home
28 Oct 2026
Chloe Gathergood
Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much
23 Oct 2026
Rebecca Joy
Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!
15 Oct 2026
Callum Kennedy
Very helpful and informative. Made the process as easy as possible. Would recommend to other
14 Oct 2026
Barry Hall
I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.
14 Oct 2026
Megan Whitlock
The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you
14 Oct 2026
Linda Chadwick
Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%
14 Oct 2026
Natalie Rose
We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam
13 Oct 2026
We’ll talk through your plans, the type of property you have in mind, and your financial background so we can find the lenders that fit your needs.
We’ll search a selection of 95% mortgage products from different lenders, focusing on those that best match your situation.
We’ll explain the details clearly so you know what to expect before moving forward.
Once you’ve chosen your mortgage, we’ll guide you through the application process.
We’ll also tell you which documents you’ll need to provide, such as proof of income and confirmation of your deposit.
After your mortgage is approved and the paperwork is complete, you can collect your keys.
We’ll keep you informed throughout so you feel supported from start to finish.
We know your schedule might not fit within standard working hours.
That’s why we’re available seven days a week, including evenings, so you can speak to us when it suits you.
We’ve helped many people in Scunthorpe secure their mortgages, and our reviews reflect the trust customers place in us.
Their feedback is a testament to the service we provide.
We take the time to understand your circumstances before searching for a mortgage.
Whether it’s your first home or a new move, we’ll aim to find the 95% mortgage in Scunthorpe that’s right for you.
We’ll stay by your side from the start of the process to the moment you get your keys, keeping you updated and making the process as straightforward as possible.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Scunthorpemoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Scunthorpemoneyman 2009–2026
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Scunthorpemoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Scunthorpemoneyman 2009–2026
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