Hi All, My partner and I are looking to buy our first house together. We are kinda left with Halifax because of the following reasons: Halifax will accept less than three years of self-employment Halifax take a 5% deposit Halifax is also "less strict on credit score and will accept a fair score from Experian" - words of the Mortage advisor we saw Point #1 is what is narrowing us down to Halifax, we bank with them so I have no problem getting a mortgage with them. The house we are eyeing up is £350K, we would look to put down a ~5% deposit of £18K so the loan would be £332K. Using their online calculators, the max they will lend is £370K. We would be a little way off maxing out our budget. My credit score with Experian is 740 (fair) and my partners is 902 (good). I have one default of £400 with an Argos card that was satisfied a year ago. From talking to our Mortgage Advisor she was saying that the Agreement in Principle would dictate the amount Halifax would lend us and the required deposit. Obviously, if they need more than 5% this kinda screws us, has anyone got much experience of applying for 95% LTV mortgages and success stories? I naively assumed that 5% deposits were easy enough to get. From looking online, they are tougher and require a better "credit profile" as the LTV goes up, which makes sense! Do they use a sliding scale? For example, If the amount is with 10% of max amount then require 10%, else 5%? We will be applying for an AIP after my partner has done her next tax return at the start of April so it's not long yet. I can see us both falling in love with this house and then Halifax coming along and wanting a 10% deposit which would kill off the chances of getting that house. So hence the reason for creating this thread, to see how many people have taken out 95% LTV mortgages and how difficult they were to get. Thanks in advance!