Struggling to save for a deposit to buy a house? Let Agentis bring some much-needed clarity to your mortgage search.
As a Whole of Market mortgage advisor, we have access to deals you won’t find anywhere else. Let us help you make your move.
We don’t just look at the short-term solution. While your immediate goals will be to get on the property ladder, which we are dedicated to helping you achieve, we also look at the bigger picture. We work with both your short and long-term property goals.
Looking for a mortgage broker in Peterborough? Get in touch to book your free initial consultation.
Whole of Market Advice
Below are some of the lenders we deal with, however we have access to the whole of the market, including exclusive deals that you won’t be able to find yourself.
Which Schemes Offer 5% Deposit Mortgages?
Various Government-backed schemes come with a 5% deposit mortgage. We can talk you through your options and identify the best one for you.
The Process
Let us walk you through the 5% deposit mortgage.
- Costs you need to consider
- How to improve your credit rating
- Understanding how 5% deposit mortgages work and if you’re eligible
- Discuss your options
- Find out how much you could borrow
- Calculate how much deposit you may need
- Ways of repaying your mortgage
- Compare interest rates from across the market to find the best deal
- Get a decision in principle
- Help you apply for a mortgage
How do I apply for a 5% mortgage?
Get in touch to arrange your free initial consultation with us. Your dedicated mortgage advisor will help find the right product for you and make the process as efficient as possible. We go the extra mile, helping with the paperwork and negotiating with estate agents and conveyancers. It’s all part of the excellent service we provide, and why first-time buyers come back to us for future advice.
What Our Customers Think
Timothy Lawrie2024-04-18I cannot praise Agentis highly enough. Service above and beyond, all done with understanding and friendly know how. AmazingAsher2024-04-18We have just received a mortgage offer on our first property & had the pleasure of Ash Hinds being our mortgage advisor. Ash was very helpful throughout the whole process & was never too busy to answer a query or concern, going over and beyond. As first time buyers we did need a lot of stuff explained to us & Ash was more then happy to do that & make sure we understood the pros & cons of different options. I would definitely recommend Ash to anyone who needs a Mortgage Advisor 5 star service!Sarah Worsley2024-04-17Ash is a fantastic broker, who empathised with my unique situation and was very supportive and encouraging. He secured a very good deal for us, and was always there to answer questions. I would highly recommend him!Agne Rusalovskytė2024-04-15Adam was very helpful as always.Jonathan Knox2024-04-15I recently had the pleasure of working with Josh at Agentis for my remortagage, and I couldn't be more impressed with the service I received. From start to finish, the entire process was smooth, efficient, and incredibly quick. Josh's expertise and professionalism were evident from our very first interaction. He took the time to understand my financial situation and goals, providing personalized guidance every step of the way. His knowledge of the mortgage industry ensured that I got the best possible deal tailored to my needs. What truly stood out to me was the speed at which Josh worked. Despite the complexities involved in securing a mortgage, he made the process seem effortless. Communication was prompt and clear, and I always felt informed and supported throughout. If you're looking for a mortgage broker who is efficient, knowledgeable, and committed to providing exceptional service, look no further than Josh at Agentis. You won't be disappointed. Thank-you.Bob Green2024-04-08Lee was great to work with, always keeping us updated and available whenever we needed. Lee often provided updates before our solicitors and estate agents. He was very knowledgeable and helped explain all steps of the process. I would 100% recommend both Lee and Agentis.Johnsy Raju2024-04-06Caren arranged our first mortgage, and she was fantastic with us! She demystified the entire house buying process for us, which can be a minefield. Caren helped us know how much we could spend on a home and how much of a mortgage we could afford, and achieve. She was able to give us a step-by-step plan, which really helped ease our anxiety. Caren also looked through home reports of homes we were looking into, to let us know of any issues that we might run into - this is very helpful, as the language can be impenetrable! We would recommend anyone looking to buy a home contacting Caren first. Thank you soomuch Caren @agentis for the wonderful help.Nesta2024-04-03We had Adam Long as our mortgage broker. He was amazing from start to finish throughout the entire process. Very good at explaining the whole process, very knowledgeable and professional. We couldn’t recommend a better mortgage advisor! Thanks Adam!Adrian Woolley2024-04-03Caren was informative, contactable and managed to get a mortgage when I feared I couldn’t. Thank you.Jodie Tyers2024-03-27Anton Sgroni was absolutely amazing at sorting out our remortgage. Any problems he sorted out straight away and was able to keep us updated along the way. This is the third time we have used Agentis and we can not fault them! Always a great service and lots of helpful advice and information is provided to get the best deal
Meet The Team
Established in 2014 by Christine Long and David Mortell, Agentis is an expert mortgage broker in Peterborough. We are a family-run business, now with a growing team of specialist advisors to help individuals, couples and families find and manage their remortgages.
We’re regulated by the Financial Conduct Authority, so you can choose us with confidence.
Frequently Asked Questions
What are the key eligibility criteria for 5% deposit mortgages?
This type of mortgage is designed for first-time buyers or home movers. Key eligibility criteria include:
- For properties valued £600,000 or less
- Must have at least 5% deposit saved
- Residential mortgage (government-backed 5% deposit mortgages are not suitable for second homes or buy-to-let properties)
- Repayment mortgage (not interest-only mortgage)
- Not suitable for commercial mortgages
- Not suitable for new build properties
What is the maximum LTV currently offered?
The maximum LTV (loan-to-value) rate currently offered under the Help to Buy scheme is 95%.
When should you contact a mortgage broker?
As soon as you know you want to buy a property, speaking to a mortgage broker can help you get your search off to the best start. Knowing how much you can afford and whether you’re likely to qualify for a Help to Buy scheme will bring clarity to your purchase.
What will a mortgage broker need to know about me?
All mortgage brokers need to know information relating to your financial health. This includes your credit score, income, expenditure and savings. Importantly, they will need to know that you have at least a 5% deposit saved to qualify for a Help to Buy.
Is the Mortgage Guarantee scheme still available?
No – the Mortgage Guarantee scheme is no longer available. The original scheme was discontinued in 2016. However, there are plenty of other Help to Buy schemes that come with a 5% deposit to make buying a property a little more manageable.
Still Have Questions?
Ready to find the best mortgage rate for you?
Let us know the best way to reach you and some details about your project, and one of our experienced mortgage brokers will be in touch with you to talk you through the next steps.
In a hurry? Speak to our team on 01733 367800 to get started today.
Get in Touch
We have access to the whole of the market to enable us to get you the very best deal that meets your needs.
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Want to know more about the different types of mortgages and how they work? Discover advice, top tips and how-tos from our mortgage and protection experts in the Mortgage Advice Hub.
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