{"id":6550,"date":"2023-05-29T19:23:32","date_gmt":"2023-05-29T19:23:32","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=6550"},"modified":"2023-06-03T12:43:01","modified_gmt":"2023-06-03T12:43:01","slug":"understanding-95-and-90-mortgages-a-comprehensive-guide","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/homes\/first-time-buyers\/understanding-95-and-90-mortgages-a-comprehensive-guide\/","title":{"rendered":"Understanding 95% and 90% Mortgages: A Comprehensive Guide"},"content":{"rendered":"\n<p>To buy a property with a 90% or 95% mortgage, you can deposit just 10% or 5%, respectively and borrow the rest. These types of mortgages are commonly referred to as having a 90% or 95% loan-to-value (LTV) ratio, which means the amount you borrow is a percentage of the property&#8217;s value.<\/p>\n\n\n\n\n\n<p>This mortgage type is attractive to individuals who wish to enter the real estate market but may find saving a larger down payment challenging.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/first-time-buyers\/understanding-95-and-90-mortgages-a-comprehensive-guide\/#What_is_a_95_mortgage\" >What is a 95% mortgage?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/first-time-buyers\/understanding-95-and-90-mortgages-a-comprehensive-guide\/#The_advantages_and_disadvantages_of_95_mortgages\" >The advantages and disadvantages of 95% mortgages<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/first-time-buyers\/understanding-95-and-90-mortgages-a-comprehensive-guide\/#%E2%81%A0What_is_a_90_mortgage\" >\u2060What is a 90% mortgage?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/first-time-buyers\/understanding-95-and-90-mortgages-a-comprehensive-guide\/#The_advantages_and_disadvantages_of_90_mortgages\" >The advantages and disadvantages of 90% mortgages<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/first-time-buyers\/understanding-95-and-90-mortgages-a-comprehensive-guide\/#Should_you_continue_to_save_for_a_larger_deposit\" >Should you continue to save for a larger deposit?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/first-time-buyers\/understanding-95-and-90-mortgages-a-comprehensive-guide\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-95-mortgage\"><span class=\"ez-toc-section\" id=\"What_is_a_95_mortgage\"><\/span>What is a 95% mortgage?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you get a 95% LTV mortgage, you need to pay a deposit of 5% of the property&#8217;s value, and the remaining 95% will be lent to you. To illustrate, if you&#8217;re purchasing a property valued at \u00a3250,000, you&#8217;ll have to pay \u00a312,500 as a deposit (which is 5% of \u00a3250,000) and borrow \u00a3237,500 (which is 95% of \u00a3250,000) as a mortgage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-advantages-and-disadvantages-of-95-mortgages\"><span class=\"ez-toc-section\" id=\"The_advantages_and_disadvantages_of_95_mortgages\"><\/span>The advantages and disadvantages of 95% mortgages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A 95% mortgage can be beneficial for buying a property, but the interest rates are typically higher than for a mortgage with a larger deposit. This is because lenders consider it a riskier investment. Additionally, the property value may decline, potentially leaving you with more debt than the property&#8217;s worth (negative equity).<\/p>\n\n\n\n<p>If you have a 95% mortgage, remortgage may be more difficult because you will likely only be eligible for a small selection of remortgage options if you have little equity in your home.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-90-mortgage\"><span class=\"ez-toc-section\" id=\"%E2%81%A0What_is_a_90_mortgage\"><\/span>\u2060What is a 90% mortgage?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To get a 90% LTV mortgage, you need to provide a 10% deposit of the property value and borrow the remaining 90% through a mortgage. For instance, if you plan to purchase a property that costs \u00a3250,000, you must pay a deposit of \u00a325,000 (10% of \u00a3250,000) and take out a mortgage of \u00a3225,000 (90% of \u00a3250,000).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-advantages-and-disadvantages-of-90-mortgages\"><span class=\"ez-toc-section\" id=\"The_advantages_and_disadvantages_of_90_mortgages\"><\/span>The advantages and disadvantages of 90% mortgages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Both 90% and 95% mortgages have similar pros and cons. With a 90% mortgage, you can enter the property market quickly by only saving 10% of the property&#8217;s value as a deposit. However, you may encounter higher mortgage rates than those with larger deposits.<\/p>\n\n\n\n<p>Similar to a 95% mortgage, there&#8217;s a risk of negative equity if the property&#8217;s value decreases in the future, which means you may owe more than the property is worth.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-should-you-continue-to-save-for-a-larger-deposit\"><span class=\"ez-toc-section\" id=\"Should_you_continue_to_save_for_a_larger_deposit\"><\/span>Should you continue to save for a larger deposit?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A bigger deposit when applying for a mortgage provides you with a wider range of options. Lenders usually offer their best rates to those with a larger deposit, resulting in less interest being paid overall. But saving a large amount of money can be challenging, especially if you are renting and have limited extra funds to save each month.<\/p>\n\n\n\n<p>If you believe property prices will increase, you may buy a house earlier than planned to avoid saving up a larger deposit. The decision to continue saving will depend on your situation and when you intend to purchase.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"wp-block-ub-content-toggle wp-block-ub-content-toggle-block\" id=\"ub-content-toggle-block-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" data-mobilecollapse=\"false\" data-desktopcollapse=\"true\" data-preventcollapse=\"false\" data-showonlyone=\"false\">\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-0-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" style=\"color: #FFFFFF; \">1. What is a 95% mortgage?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-0-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\">\n\n<p>A 95% mortgage is a loan that covers 95% of the value of a property. The borrower pays the remaining 5% as a deposit. \u00b9<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-1-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" style=\"color: #FFFFFF; \">2. What is a 90% mortgage?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-1-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\">\n\n<p>A 90% mortgage is a loan that covers 90% of the value of a property. The borrower pays the remaining 10% as a deposit. \u00b3<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-2-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" style=\"color: #FFFFFF; \">3. What is the mortgage guarantee scheme?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-2-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\">\n\n<p>The mortgage guarantee scheme is designed to encourage lenders to offer more low-deposit mortgages by providing them with a government guarantee on part of the loan. \u00b2<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-3-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" style=\"color: #FFFFFF; \">4. Who is eligible for the mortgage guarantee scheme?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-3-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\">\n\n<p>The scheme is open to first-time buyers and home movers who are buying a property in England with a deposit of between 5% and 9%. \u00b2<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-4-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" style=\"color: #FFFFFF; \">5. How much can I borrow with a 95% mortgage?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-4-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\">\n\n<p>The amount you can borrow with a 95% mortgage depends on your income and credit score, as well as the value of the property you want to buy. \u00b9<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-5-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" style=\"color: #FFFFFF; \">6. How much can I borrow with a 90% mortgage?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-5-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\">\n\n<p>The amount you can borrow with a 90% mortgage depends on your income and credit score, as well as the value of the property you want to buy. \u00b3<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-6-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" style=\"color: #FFFFFF; \">7. What are the pros and cons of a 95% mortgage?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-6-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\">\n\n<p>Pros: You can buy a home with a smaller deposit; Cons: You may have to pay higher interest rates and fees, and you may be more vulnerable to negative equity if house prices fall. \u00b9<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-7-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" style=\"color: #FFFFFF; \">8. What are the pros and cons of a 90% mortgage?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-7-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\">\n\n<p>Pros: You can buy a home with a smaller deposit; Cons: You may have to pay higher interest rates and fees, and you may be more vulnerable to negative equity if house prices fall. \u00b3<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-8-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" style=\"color: #FFFFFF; \">9. How do I apply for a low-deposit mortgage?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-8-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\">\n\n<p>You can apply for a low-deposit mortgage through most high-street banks and building societies, as well as some specialist lenders. \u00b2<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-9-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\" style=\"color: #FFFFFF; \">10. What are the alternatives to low-deposit mortgages?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-9-393cb601-7ad6-44e3-a847-2e4d2ef5dc76\">\n\n<p>Alternatives include shared ownership schemes, Help to Buy equity loans, guarantor mortgages, and family offset mortgages. \u00b2<\/p>\n\n<\/div>\n\t\t<\/div>\n<\/div>\n\n\n<p class=\"has-small-font-size\">References:<\/p>\n\n\n\n<ol class=\"wp-block-list\" type=\"1\">\n<li class=\"has-small-font-size\">95% Mortgage Deals \u2013 June 2023 \u2013 Forbes Advisor UK. <a href=\"https:\/\/www.forbes.com\/uk\/advisor\/mortgages\/95-percent-mortgages\">https:\/\/www.forbes.com\/uk\/advisor\/mortgages\/95-percent-mortgages<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\">90%, 95% and other low-deposit mortgages &#8211; GoCompare. <a href=\"https:\/\/www.gocompare.com\/mortgages\/low-deposit\">https:\/\/www.gocompare.com\/mortgages\/low-deposit<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\">95% mortgage guarantee scheme &#8211; Which?<a href=\"https:\/\/www.which.co.uk\/money\/mortgages-and-property\/mortgages\/getting-a-mortgage\/95-mortgage-guarantee-scheme-aUHVP7a8Mfbm\">https:\/\/www.which.co.uk\/money\/mortgages-and-property\/mortgages\/getting-a-mortgage\/95-mortgage-guarantee-scheme-aUHVP7a8Mfbm<\/a><\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"To buy a property with a 90% or 95% mortgage, you can deposit just 10% or 5%, respectively and borrow the rest. These types of mortgages are commonly referred to as having a 90% or 95% loan-to-value (LTV) ratio\n","protected":false},"author":1,"featured_media":7289,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[475],"tags":[],"class_list":{"0":"post-6550","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-first-time-buyers"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/06\/RAJun-000217.jpg","author_info":{"display_name":"Credit Score UK","author_link":"https:\/\/www.check.co.uk\/blog\/author\/coco\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Do 95% and 90% Mortgages Work? | Credit-Score Home<\/title>\n<meta name=\"description\" content=\"Discover how 95% and 90% mortgages work with our guide. 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