Discover the new Leek Building Society 95% LTV 2025 mortgage offering
Leek Building Society has announced an upcoming change to its popular 5-year fixed rate mortgage product at 95% Loan-to-Value (LTV).
The Leek Building Society 95% LTV 2025 plan, effective from Wednesday, 24 September 2025, will see this product’s interest rate rise, making it crucial for high-LTV borrowers—including first-time buyers and home movers with smaller deposits—to understand the implications and act swiftly if interested.
Mortgage Rate Update: 5-Year Fixed 95% LTV Now at 4.85%
Leek Building Society’s 5-year fixed rate mortgage at 95% LTV will increase to 4.85% from its previous rate. This product, part of the Leek Building Society 95% LTV 2025 scheme, continues to feature a £495 arrangement fee. Here’s a summary of the updated offer:
- Interest Rate: 4.85% fixed for 5 years
- Maximum LTV: 95%
- Arrangement Fee: £495
- Fixed Term: 5 years
This move places Leek’s offering in line with other leading UK mortgage lenders, maintaining its position among competitive best-buy options for high-LTV fixed-rate mortgages, but with a slightly higher cost following the rate change.
Updated Lending Criteria: Who Stands to Benefit?
Leek Building Society’s 95% LTV fixed rate mortgage is specially designed for borrowers with modest deposits, typically first-time buyers or home movers. Key lending criteria under the Leek Building Society 95% LTV 2025 include:
- Minimum 5% deposit required
- Residential property purchases only
- Standard affordability and credit checks apply
This high-LTV product is an important solution for those struggling to save larger deposits, providing greater access to homeownership—even as rates begin to edge up.
Special Features and Borrower Scenarios
While no new promotions accompany this update, the product retains several advantages:
- Five years of payment certainty with a fixed rate—ideal for budgeting and long-term planning
- Modest upfront fee (£495), lower than some competitors
- Accessibility for lower-deposit buyers without the need for complex guarantor or specialist schemes
- Available for property purchases nationwide, subject to Leek’s standard lending area
This product may suit:
- First-time buyers with steady income seeking maximum leverage
- Home movers upsizing with limited equity in their current property
- Those requiring the reassurance of fixed monthly repayments over the next five years
Why Choose Leek Building Society?
As a well-recognised UK mutual, Leek Building Society is valued for its personal approach to lending, frequently offering flexible underwriting and competitive high-LTV products. The Leek Building Society 95% LTV 2025 mortgage is part of why the lender is:
- Authorised and regulated by the Financial Conduct Authority
- Known for responsive application processing and case-by-case affordability assessments
- Frequently recommended for first-time buyers and those with less-than-average deposits
Their focus on customer service and clarity makes Leek a trusted choice for many entering or moving in the UK housing market.
Secure the Right Deal Before More Rate Changes
With rates rising, now is a critical time for buyers with smaller deposits to review their mortgage options. If you’re considering Leek’s 95% LTV 5-year fixed mortgage—or wish to compare high-LTV deals across the UK—get in touch with our expert mortgage advisers. We’ll help you assess your eligibility, explain monthly repayments, and secure the Leek Building Society 95% LTV 2025 deal most suitable for your circumstances.
Contact us today for tailored, impartial mortgage advice to support your next move!
Frequently Asked Questions (FAQs)
- Who qualifies for Leek’s 95% LTV fixed-rate mortgage?
Applicants must have at least a 5% deposit, be purchasing a residential property, and pass standard affordability and credit checks. - How does the 4.85% interest rate affect my monthly repayments?
Your monthly payments may be higher than the previous rate, especially with the Leek Building Society 95% LTV 2025 adjustment. Our advisers can calculate your exact repayments based on your loan amount and term. - Is this mortgage suitable for first-time buyers?
Yes. It’s tailored for first-time buyers and home movers with small deposits needing maximum borrowing at a fixed rate. - Can I use this mortgage for buy-to-let properties?
No. This product is for residential purposes only, not for buy-to-let or commercial investments. - How can I check if I qualify or apply?
Contact our team for a free eligibility check and application support—we’ll guide you every step of the way.
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