Saving a large deposit shouldn’t be the barrier that stops you from owning a home. At Clark Mortgages, we specialise in helping buyers secure low deposit mortgages with as little as 5% down even when high‑street banks say “no”. Whether you’re a first‑time buyer, a renter stuck in the rental cycle, or someone who simply hasn’t had years to build up savings, we help you unlock the right high‑LTV mortgage without the stress, jargon, or confusion.
Based in Chester and Cheshire, we support clients nationwide through phone, video, and online consultations. With whole‑of‑market access to over 100 lenders, including specialist high‑LTV providers, we find competitive 90–95% mortgages, £5,000‑deposit options, and niche schemes designed for buyers who need a faster, more accessible route into homeownership. And with our Mortgage Application Guarantee, you’re protected from financial risk – if we can’t secure your mortgage after a full application, we refund our broker fee in full.
5%
deposit options
£5k
deposit products
90–95%
mortgages
First‑time buyers with 5–10% deposits
Renters who can afford monthly payments but struggle to save
Young professionals and Gen Z buyers entering the market
Buyers using gifted deposits or family support
Buyers using Shared Ownership or First Homes schemes
Self‑employed buyers with small deposits
Contractors and freelancers with variable income and [complex income]
Buyers with minor credit issues seeking high‑LTV approval
Applicants previously declined by high‑street banks.
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We guide you through to completion with clear updates, support on solicitor and survey steps, and
advice on future remortgaging (including how to avoid negative equity risks).
High‑LTV mortgages are designed for buyers with smaller deposits. We work with lenders who offer 95% and ultra-high LTV options, helping you secure a home sooner without waiting years to save.
We help with:
Some lenders now offer ultra‑low deposit options, including £5,000‑deposit mortgages and track‑record products that assess your rental history instead of a large upfront sum.
We help with:
Self‑employed buyers and contractors often face strict affordability checks. We work with lenders who understand fluctuating income and day‑rate calculations - even with a small deposit.
We help with:
Learn more about our Contractor Mortgage Solutions or Limited Company Mortgages if you’re self employed.
Many buyers rely on family support to boost a small deposit. We help you navigate gifted deposits, guarantor mortgages, and springboard products.
We help with:
Affordable housing schemes reduce the deposit required by lowering the share you purchase. We help you understand eligibility and secure lender‑approved products.
We help with:
Minor credit issues can block low‑deposit approvals. We work with specialist lenders who manually assess your full financial picture.
We help with:
Risk Warning: Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Yes – several lenders offer fixed £5,000‑deposit products designed for renters and first‑time buyers.
The main risk is negative equity if house prices fall, which can limit future remortgaging options.
Yes – once your equity increases, you can often move to lower‑rate tiers.
Contact us
18 Weeks Ago
As a contract worker, I honestly never thought I’d be able to get a decent mortgage offer from a high street bank. I was worried and unsure where to start. But thanks to Sam and his incredible team at Clark Mortgage, I’ve now secured a mortgage offer with a great interest rate—and I couldn’t be happier!
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