95% Mortgages Guarantee Scheme

Unlock Your Homeownership Dream with Confidence

Welcome to Percom Financial’s 95% Mortgages Guarantee Scheme page! 

Ready to step into homeownership with minimal upfront costs? Our 95% mortgage options are designed to make your dream of owning a home a reality. Discover how our scheme works and whether it’s the right choice for you.

How Does a 95% Mortgages Guarantee Scheme Work?

The 95% Mortgages Guarantee Scheme allows you to purchase a home with just a 5% deposit, making homeownership more accessible, especially for first-time buyers. Here’s how it works:

1. Deposit:

You provide a 5% deposit of the property’s purchase price.

2. Mortgage Application:

Apply for a mortgage covering the remaining 95%. Lenders will evaluate your financial health, including your income, expenses, and credit history.

3. Government Guarantee:

The government guarantees a portion of the mortgage, reducing the lender’s risk and encouraging them to offer high loan-to-value (LTV) mortgages.

4. Interest Rates:

Typically, these mortgages come with competitive interest rates, though they might be slightly higher than those for lower LTV mortgages.

5. Repayment Options:

Choose from various repayment options, such as fixed-rate or variable-rate mortgages, to suit your financial situation and preferences.

6. Term:

Mortgage terms usually range from 25-30 years. You repay the loan, including interest, through monthly payments.

7. Additional Costs:

Plan for additional costs, including property taxes, insurance, and maintenance.

Why Choose and Compare a 95% Mortgages Guarantee Scheme?

1. Lower Deposit Requirement:

   Achieve homeownership with just a 5% deposit, making it easier to get on the property ladder.

2. Government Backing:

   Benefit from the government guarantee, which encourages lenders to offer higher LTV mortgages.

3. Tailored for First-Time Buyers:

   Ideal for first-time buyers, these mortgages offer an accessible path to owning your first home.

4. Competitive Interest Rates:

   Enjoy competitive rates, though slightly higher than lower LTV mortgages, offering a balance between affordability and risk.

5. Build Equity:

   Start building equity in your home as you make mortgage payments, turning your property into a valuable asset over time.

6. Financial Stability:

   Secure predictable monthly payments, aiding in financial planning and stability.

7. Long-Term Investment:

Homeownership can be a smart long-term investment, potentially increasing in value and providing a sense of stability and freedom.

What Our Customers Are Saying About Us

Click the button below to read reviews from our past customers.

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Why Choose Percom Financial Services?

1. Personalised Mortgage Solutions:

Our team works closely with you to understand your investment goals and financial situation, offering tailored mortgage solutions to meet your needs.

2. Competitive Rates:

Benefit from competitive interest rates and flexible terms, ensuring affordability and maximising your return on investment.

3. Expert Guidance:

Our experienced advisors provide expert guidance throughout the mortgage process, from application to closing, ensuring a smooth and hassle-free experience.

4. Comprehensive Support:

We offer ongoing support and assistance, helping you navigate the challenges of property ownership and landlord responsibilities.

First-Time Buyer Mortgages UK

Securing your first property has always been challenging, but with Percom Financial Services, it can be made simple. 

Schedule a free consultation today and take your first step toward getting your dream home.

Unlock Your Homeownership Dream Today

At Percom Financial Services, we simplify securing your home with a 95% mortgage. Schedule a free consultation and take the first step towards your dream home.

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