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A 95% mortgage in Sunderland allows you to buy a home with a 5% deposit, with the rest coming from your mortgage.
Lenders often make these deals available to first time buyers, home movers, and those remortgaging to release equity, helping more people move forward with their property plans without saving a large deposit.
For instance, if you were buying for £160,000, your deposit would be £8,000, with the remaining £152,000 provided by your mortgage.
Our mortgage advisors in Sunderland can explore 95% mortgage options from a range of banks to find the right fit for you.
Getting a 95% mortgage in Sunderland means showing a lender that you can afford the repayments and that you meet their requirements.
They will usually want to see proof of your income, an outline of your regular financial commitments, and confirmation that you have saved your 5% deposit.
Your credit history will also be reviewed to see how you have managed borrowing in the past.
A mortgage broker in Sunderland, like ourselves, we can check 95% mortgage options from different lenders to find one that suits your needs.
If you are looking at 95% mortgages in Sunderland, you will find there are a few different product types available.
A fixed rate mortgage keeps your interest rate the same for a set period, which can help with planning your monthly budget.
Variable or tracker mortgage, on the other hand, can change in line with the Bank of England base rate or your lender’s own rate.
There are also times when government-backed schemes are available, designed to support buyers with a smaller deposit.
We offer mortgage advice in Sunderland and can explain the differences, helping you choose the 95% mortgage that’s right 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.
Our Customers Love Us
5.00 Rating14 Reviews
Danielle
Charlie Bryson was my mortgagee advisor and couldn’t have been more helpful. I am a first time buyer and had zero knowledge of what obtaining a mortgage entailed. Charlie’s advice and delivery of every stage of the process was second to none. I...
Georgia
Our mortgage advisor Charlie Bryson has been amazing with me and Ethan. He has helped us with everything and made sure we are doing everything correctly as we are both first time buyers.
Jordan
Helen was very helpful on the call to re arrange a call back to speak about our mortgage. Very pleasant phone call
Diane
This has been a fantastic service from the initial enquiry to getting the mortgage offer through, everything explained in detail and nothing was a problem, very helpful and professional staff. Would highly recommend using this company to anyone
Martin
Great team and great service. Always happy to help and they make the process easy to understand. They got me a deal I was happy with then got me a better one.
Paul
Spoke to Dale Hunter a few times today. Polite, professional and happy to answer any questions. Over the moon with the service received.
Anonymous
Our advisor was Jason Loft and all I can say is he was amazing and very polite and so was all of his team. Me and my partner are first time buyers so were quite apprehensive about the whole process. However Jason and his team gave us all the...
Anonymous
With the help from Jason and Laura, our mortgage process went very smoothly. As first time buyers we had many questions which they were on hand to answer promptly. Would highly recommend!!
Anonymous
Listened to my every need. Very polite and helpful. Spoke well and clearly understood what was being said and great advice. Thanks
Anna
From start to finish, the service was great. Everything was explained clearly, every little adjustment and query I asked for was expertly dealt with by Leo, who gave me new info and examples of our mortgage requests. Process was very easy to...
Anonymous
Very quick response from the first time I contacted them. Both Cathy and Leanne were great at keeping us informed throughout the process and always responded to our emails within a couple of hours, often less. They understood the stresses and...
Sofia
As a first time buyer I was pretty clueless as to what was needed and when to buy a house. The brokers at Sunderland moneyman made it very easy for me and guided me through the whole process. I’d defiantly give them a recommendation. Thank you...
Leon
I am a First Time Buyer and before I contacted Sunderland Moneyman I didn’t have a clue about mortgages or whether I would even qualify for one. My Advisor (Wayne) came across like he really cared and he was always on the end of the phone to...
Karen
Jason and his team gave an outstanding service. They were reassuring, consistent and were always on hand to give advice and support when necessary. I will be using their service again when my fixed rate ends in 2 years time. Thank you again...
We’ll chat about your plans, the kind of property you want to buy, and your current financial position.
This allows us to work out which lenders and 95% mortgage deals could suit you best.
With your details in hand, we’ll search through a variety of 95% mortgage products from different lenders.
We’ll recommend the one we believe works best for you and explain all the important details jargon-free.
Once you’re happy to proceed, we’ll help you prepare and submit your application.
We’ll also guide you on the documents your lender will need, such as proof of income and evidence of your deposit.
When your mortgage is approved and the legal work is complete, you can pick up your keys.
We’ll be here to keep you updated every step of the way until you’re ready to move in.
We know that sorting out a mortgage doesn’t always fit neatly into Monday to Friday.
That’s why we’re available seven days a week, including evenings, so you can speak to us when it’s convenient for you.
We’re proud of the positive feedback we’ve received from people in Sunderland who we’ve helped secure their mortgage.
Our reviews reflect the care, dedication, and clear communication we aim to deliver to every customer.
Your circumstances are unique, so our advice is always tailored to you.
Whether it’s your first home or your next move, we’ll work to find a 95% mortgage in Sunderland that suits your needs.
From your initial enquiry through to getting your keys, we’ll be here to make the process as straightforward as possible.
You’ll always know what’s happening and what to expect next.
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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Read our 14 Reviews
Sunderlandmoneyman 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.
© Sunderlandmoneyman 2009–2026
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Sunderlandmoneyman 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.
© Sunderlandmoneyman 2009–2026
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