FIRST-TIME BUYERS: HOW TO GET THE BEST DEAL ON A 90% OR 95% MORTGAGE – WHICH?

Rates on low-deposit mortgages creep up after the base rate hikes.

Rates on 90% and 95% mortgages are continuing to rise, after a sixth increase in the Bank of England’s base rate.

First-time buyers can now expect to pay a rate of 3.5%-4% when taking out a low-deposit mortgage.

Here, we reveal the cheapest mortgage rates currently available to first-time buyers, and explain whether borrowers should be concerned about higher prices.

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