Yes, mortgages with a 5% deposit are obtainable across Nottingham, surrounding areas and the rest of the UK, often through government-backed schemes that support 95% Loan to Value (LTV) mortgages. This means you can borrow up to 95% of the property's value, making things easier if you are a first-time buyer or home mover entering the housing market.
Nottingham mortgage brokers
Our Nottingham based mortgage brokers are experienced, well qualified and well connected to a network of mortgage lenders. We provide tailored advice on mortgages to property buyers, homeowners, and landlords across the country.
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Nottingham mortgage services
Local trusted mortgage advice
Our local knowledge of Nottingham’s property market allows us to offer extensive, personalised mortgage services to our wide range of clients from all backgrounds. We can help with all types of mortgages with whole of market access to a range of lenders specialising in different situations and circumstances. If you need a specialist mortgage, this means we may be able to connect you with lenders and deals you might otherwise not have been privy to.
Service standards are extremely high at James Leighton. We always do our best to ensure we find the most suitable mortgage for you that suits your current financial situation and goals. We also offer support and advice on the mortgage application process itself. We offer remote and face-to-face appointments to suit our clients who are all over the UK.
Our FCA authorised, qualified and experienced team are here for you.
- Call: 0115 870 9520
- Email: [email protected]
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Nottingham first-time buyer mortgages
We have helped scores of first-time buyers get a mortgage for their first home. We understand that the process can be daunting when you’ve never done it before. Our advisers will be there every step of the way.
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Remortgage brokers in Nottingham
If your current deal is coming to an end and you’d like some support in finding your next mortgage solution, James Leighton’s advisers will be able to assist you, as whole of market mortgage specialists.
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Nottingham Buy to Let mortgages
Helping Buy to Let mortgage clients day in day out, whether you want to become a landlord, or are simply adding to your portfolio, we are here to make your experience as straightforward as possible.
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Self-employed mortgage brokers
Securing a mortgage as someone who is self-employed means you may need to do things a little differently like submitting different documentation, for example. We’ve been helping local business owners, contractors and freelancers make successful mortgage applications for decades.
Nottingham’s property market
Knowing the area so well, we’re always aware of current, specific property market trends – student demand, regeneration areas, popular districts, and so on.
Local market knowledge
Real mortgage advice
Offering advice to our clients every day, you can expect up-to-the-minute, information and recommendations, tailored to your needs. We know mortgages, and the industry like the back of our hands, whether it be a bad credit mortgage, or if you’re someone with a complex income – we have the insights and connections to help. Our experienced, FCA-authorised team provides real solutions for first-time buyers, homeowners looking to move or remortgage, Buy to Let investors, and self-employed applicants.
Whole of market mortgages
Not just one lender
One of the reasons our clients recommend us so readily is that we’re whole of market brokers. So, if you are looking to purchase a property, when you speak with one of our mortgage brokers, they won’t be tied to just one lender and have access to the whole market. This means that you will have a lot more options available to you which could lead to a more advantageous deal.
Flexible appointments
Face-to-face or remote
We’ll always do everything we can to accommodate our clients. So, wherever you live in the UK, we can help you find a mortgage. We have systems in place that mean you don’t ever need to come into our offices. That said, you will always be very welcome. You may feel you’d get more from meeting your adviser face-to-face. Or combine the two.
One stop shop
We cover all your mortgage needs, under one roof
As well as mortgages, our team offers tailored insurance solutions to safeguard your family’s financial future from unforeseen events. Recognising that every client is unique, we create personalised recommendations based on individual risk preferences and budgets. Our aim is to help clients throughout the UK explore available insurance options and make informed decisions to mitigate financial risks with affordable, sustainable premiums. With access to a diverse range of insurance products – including income protection, life and critical illness cover, and family protection – we provide the expertise needed to secure your peace of mind and protect your loved ones effectively.
- Call: 0115 870 9520
- Email: [email protected]
FAQs
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Can I get a mortgage in Nottingham with a 5% deposit?
A
Q
Can I get a mortgage in Nottingham if I have bad credit?
A
Yes, in some circumstances. This very much depends on your credit rating and history. In cases where your credit rating makes securing a mortgage nigh on impossible, our understanding advisers will work with you, showing you how to improve your credit rating so you will be in a position to turn this around over time.
Q
Why should I use a broker instead of a high street lender?
A
Using a broker means you are not tied to just one lender. You will have greater access to many more deals. Where a lender may have 15-20 deals they can offer you, a whole of market broker should be able to offer you over 100. You are much more likely to get a more suitable deal by using a broker.
First-time buyers
Buying your first home? Our first-time buyer mortgage advisers will provide clear explanations and dedicated support throughout the process.
Remortgaging
Looking for a more suitable mortgage deal? Our remortgage brokers will help you explore your options and make the switch.
Buy to Let
If you’re investing in property, our advisers can help you find Buy to Let mortgages that align with your financial goals.
Some Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Home movers
Whether you’re upsizing or downsizing, we'll find the most suitable mortgage solution for your needs.
£195,000
was the average house price in Nottingham in March 2025.
The average house price in Nottingham in March 2025 (provisional) was £195,000. This was 5.6% up from March 2024. Private rents increased to an average of £970 in April 2025, an annual increase of 7.3%.
*Source: https://www.ons.gov.uk/visualisations/housingpriceslocal/E06000018/
What our customers say
Very knowledgeable and helpful. Kept us informed and worked hard to get us our mortgage offer.
