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A 95% mortgage in Sheffield means you can buy a property with only a 5% deposit, borrowing the rest from your lender.
Banks often offer these mortgages to first time buyers, people moving home, and those remortgaging to raise funds, giving more buyers in Sheffield a chance to secure the home they want with a smaller deposit.
For example, if the property price was £180,000, your deposit would be £9,000, and your mortgage would cover the remaining £171,000.
Our mortgage advisors in Sheffield can help you explore 95% products from various lenders.
To secure a 95% mortgage in Sheffield, you will need to meet a lender’s criteria and show that you can comfortably make the monthly repayments.
This often involves providing proof of income, details of your regular outgoings, and evidence of your 5% deposit.
Lenders also assess your credit record to understand your borrowing history.
As a mortgage broker in Sheffield, we can search 95% mortgage products from a range of lenders to help you find the right match.
When exploring 95% mortgages in Sheffield, you will see a range of different products on the market.
Fixed rate mortgages keep the interest rate steady for an agreed period, making it easier to manage your monthly payments.
With a variable or tracker mortgage, your rate can go up or down depending on changes to the Bank of England base rate or your lender’s own rate.
From time to time, government-backed options are also introduced to help buyers purchase with a smaller deposit.
We provide mortgage advice in Sheffield and can guide you through these choices to find a 95% mortgage that works for you.
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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4.95 Rating248 Reviews
Joao
Very professional, efficient, knowledgeable, and responsive team of people. They were very quick at replying to our emails, and it was very helpful to meet them regularly over video call to discuss all the pros and cons of each decision.
Lauren
Super fast replies. So helpful. We’re really great full for the help Jason have us!
David
This was a fantastic service that helped with what ended up being quite a complicated mortgage. The communication and support provided throughout was first class, I’ll use them again without question. Thank you.
Rafa
My journey getting a mortgage with Moneyman was amazing. Starting with Dinah how she was listening to me and understanding im new to everything ending to advice me what to use to request mortgage. Then reaching to the best ever Stacey Moss and how...
Ami
Malcolm and his team have been great from start to finish. We’ve had weekend appointments and updates after the usual working hours which has been really appreciated and helped make the process of finding and securing a mortgage offer a lot less...
Stuart
Needed mortgage advise as a 50+ and thought it might be more difficult than it turned out thanks to Charlie. Questions answered in a timely fashion. Explanations easy to understood and with time to think.
Anonymous
Very helpful and they are with you every step of the way. Always there to answer any questions, which I had a few due to being a first time buyer. Amazing!
Rhoda
such a good complanythay is next to none. Staff are good as gold with a high level of professionalism. It will be worth mentioning that Jason Loft and LIzzi Roscoe worked so hard to help me achieve my dream of getting on to the property ladder....
Gemma
Efficient and helpful.
Rachel
The service we received from both Jason and Stacey has been excellent. We had quite long and stressful process from when we applied for our mortgage to getting our offer. In that time, both worked hard to get the application progressing as it should...
A
Fantastic service and clear explanations of all our options. Wayne has been a huge help in the process.
Marta
I had the pleasure of working with Jason from Sheffield Money Man, and I couldn't be more impressed with the experience. From the very beginning, Jason was incredibly professional, knowledgeable, and patient. They took the time to explain every step...
Abigail
very knowledgeable, everything explained very clearly. something that sempt complicated to me was made very simple and straight forward.
Paul
Great service from start to finish always at hand if needed and quick response Thanks guys
Craig
This company has been absolutely fantastic to work with. I was let down by my own bank when needing a mortgage. Sheffieldmoneyman helped me get a an excellent mortgage deal with cash back! My fixed rate mortgage is due to finish and they have been...
Michael
Always happy to renew with MoneyMan, fast and efficient
Benjamin
Fantastic team, we have brokered our original mortgage through them and our remortgage. Both times the team were eager to help and ensure we got the best deal for us. Special shout out to Daniel who just did out remortgage and was very...
Kieran
Massive help. Charlie went above and beyond. Would highly recommend
Darren
Would definitely recommend Sheffield Moneyman. Took all the stress out of getting the right mortgage. Will use again when my fixed rate ends.
Anonymous
This is the 3rd time I've used Sheffield Moneyman & I've not been disappointed.
We’ll take time to understand your property goals, budget, and overall circumstances so we can focus on lenders most likely to offer you a suitable 95% mortgage.
Based on your situation, we’ll compare 95% mortgage deals from a range of lenders.
We’ll highlight the option that fits you best and make sure you understand exactly how it works before you commit.
When you’re ready, we’ll assist in completing and sending off your mortgage application.
We’ll also let you know which documents your lender will expect, such as proof of income and your deposit funds.
After your application is accepted and the conveyancing process is finished, you’ll be set to move in.
We’ll be here to ensure everything runs smoothly right through to completion.
We’re here when you need us, seven days a week, including evenings.
This flexibility means you can arrange to speak to us at a time that suits your schedule.
Many home buyers in Sheffield have shared their experiences in reviews, and we’re pleased to have helped so many people secure their mortgages.
Their feedback reflects our commitment to excellent service.
No two buyers are the same, so we focus on understanding your plans before recommending a mortgage.
Whether you’re buying your first home or moving, we’ll look for the 95% mortgage that fits you best.
We’ll be with you throughout your mortgage journey, keeping things clear and simple from the first conversation right through to completion.
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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Sheffieldmoneyman 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.
© Sheffieldmoneyman 2009–2026
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Sheffieldmoneyman 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.
© Sheffieldmoneyman 2009–2026
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