This year has seen a record amount of 95% mortgages agreed. The return and easy availability of 95% mortgages, has made getting on the housing market more achievable for many people. Especially in Doncaster, where the average house price is much lower than many parts of the UK. Meaning the 5% deposit that is needed for a 95% mortgage is much easier to achieve. The downside to a 95% mortgage is often that the interest rates available are not as attractive, therefor if you are not in a hurry or can afford a larger deposit, this often opens up more products to choose from.