High street banks and building societies are known for their 95% mortgages and offer them often through the Mortgage Guarantee Scheme. Listed below are some notable lenders that offer 95% mortgages: Barclays Halifax HSBC NatWest/Royal Bank of Scotland Santander Virgin Money Remember that availability from any mortgage provider depends on your credit score, income, property price and type, and current market conditions. It is only available for residential properties; you must meet their policies to get one. We understand this may allow you to get on the property ladder sooner, so talk to an advisor or directly with the lenders themselves if you want answers.