{"id":2162,"date":"2026-08-20T05:35:25","date_gmt":"2026-08-20T05:35:25","guid":{"rendered":"https:\/\/www.yopa.co.uk\/homeowners-hub\/?p=2162"},"modified":"2026-08-20T14:38:49","modified_gmt":"2026-08-20T14:38:49","slug":"government-guarantee-for-95-mortgages","status":"publish","type":"post","link":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/government-guarantee-for-95-mortgages\/","title":{"rendered":"The Government Guarantee for 95% mortgages explained"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Saving for a large deposit has long been one of the biggest barriers to buying a home in the UK. To address this, the Conservative government of 2021 <a href=\"https:\/\/www.gov.uk\/government\/topical-events\/budget-2021\">introduced<\/a> the Mortgage Guarantee Scheme, designed to encourage lenders to offer mortgages with deposits as low as 5%.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The scheme ran from April 2021 until June 2025, helping tens of thousands of buyers get onto the property ladder. But what exactly was the scheme, and what support is available now that it has ended?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s what you need to know.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">What was the Mortgage Guarantee Scheme?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The Mortgage Guarantee Scheme was introduced by the then\nChancellor, Rishi Sunak, in April 2021 to increase the availability of 95%\nloan-to-value (LTV) mortgages, meaning buyers could purchase a property with\njust a 5% deposit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It was launched during the COVID-19 pandemic, when many\nlenders had withdrawn low-deposit mortgages due to increased financial risk.\nThe scheme aimed to give lenders confidence to reintroduce these products and\nsupport buyers who struggled to save larger deposits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Under the scheme:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The government provided lenders with a financial guarantee on part of the mortgage.<\/li><li>The guarantee covered a portion of the lender\u2019s losses if the borrower defaulted and the property was repossessed.<\/li><li>This protection applied to the top slice of the mortgage (80\u201395% of the property value). <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Since the government shared some of the risk, lenders were more willing to offer mortgages to buyers with smaller deposits. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong> <\/strong>Who could use the Mortgage Guarantee Scheme?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The scheme was available across the UK and could be used by\nboth first-time buyers and existing homeowners moving house.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, there were several eligibility rules:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>A minimum 5% deposit was required.<\/li><li> The property price had to be \u00a3600,000 or less. <\/li><li> The mortgage had to be a residential repayment mortgage. <\/li><li> The scheme could not be used for buy-to-let or second homes.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Buyers also didn\u2019t apply for the scheme directly. Instead, participating lenders offered mortgage products backed by the government guarantee. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>How many buyers used the Mortgage Guarantee Scheme?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The scheme helped tens of thousands of households purchase a home.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">By 2025:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Over 56,000 mortgages had been completed through the scheme. <\/li><li> Around \u00a311.5 billion in loans were supported. <\/li><li>The vast majority of those using the scheme were first-time buyers.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The Mortgage Guarantee Scheme was originally intended to run until the end of 2022 but it was extended several times before finally closing to new applications on 30 June 2025.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>What replaced the Mortgage Guarantee Scheme?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">When the original scheme ended in June 2025, it was replaced\nwith a new permanent Mortgage Guarantee Scheme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Launched in July 2025, the new scheme continues the same\ncore goal: ensuring lenders consistently offer mortgages for buyers with small\ndeposits, typically between 91% and 95% loan-to-value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike the previous version of the Mortgage Guarantee Scheme,\nwhich had fixed end dates and required extensions, the new scheme was designed\nto be permanent, giving lenders and buyers greater long-term certainty.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>How the new scheme works<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The updated scheme works in much the same way as the original:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Lenders can access a government guarantee on high loan-to-value mortgages.<\/li><li>This reduces the risk of lending to borrowers with smaller deposits.<\/li><li>As a result, lenders are encouraged to offer 95% mortgages on a more consistent basis.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The aim is to ensure buyers with limited savings can still\naccess mortgage products even during periods of economic uncertainty.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, as with any mortgage, lenders will still conduct\naffordability checks, and interest rates may be higher than those for mortgages\nwith larger deposits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can find more information on the mortgage process in our\narticle <em><a href=\"https:\/\/www.yopa.co.uk\/homeowners-hub\/guide-to-mortgages\/\">The\nultimate guide to mortgages<\/a><\/em>. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Are there any alternatives\nfor potential homeowners with a low\/no deposit? <\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Guarantor mortgages<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">If you have a low\/no deposit, it can be possible to get a mortgage with the involvement of a guarantor such as a <a href=\"https:\/\/www.yopa.co.uk\/homeowners-hub\/can-you-buy-a-property-with-family-members\/\">family member<\/a> who owns their own property and is also named on your mortgage. This means they take on some of the risk with you and make your application more favourable to lenders. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Lifetime ISA (LISA) <\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.gov.uk\/lifetime-isa\">Lifetime ISA<\/a> (LISA) is a government-backed savings account designed to help people either buy their first home or save for retirement. Available to UK residents aged 18 to 39, it allows you to save up to \u00a34,000 per year until you turn 50, with the government adding a 25% bonus on contributions (up to \u00a31,000 annually). The money can be used towards purchasing a first home worth up to \u00a3450,000 or withdrawn after age 60 for retirement. If funds are withdrawn for other reasons, a 25% withdrawal charge usually applies, which can reduce the amount you get back.<br><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Shared\nOwnership <\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.yopa.co.uk\/homeowners-hub\/what-does-shared-ownership-mean\/\">Shared ownership<\/a> properties allow you to buy between 10-75% of a new build or existing shared ownership property and you then pay rent on the remaining percentage that you do not own. You also have the option to buy a greater percentage of the property over time until you own the entire property, which is referred to as \u201cstaircasing\u201d. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Saving for a large deposit has long been one of the biggest barriers to buying a home in the UK. To address this, the Conservative government of 2021 introduced the Mortgage Guarantee Scheme, designed to encourage lenders to offer mortgages with deposits as low as 5%. The scheme ran from April 2021 until June 2025,<\/p>\n","protected":false},"author":4,"featured_media":2163,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Government Guarantee for 95% mortgages explained - Yopa Homeowners Hub<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/government-guarantee-for-95-mortgages\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Government Guarantee for 95% mortgages explained - Yopa Homeowners Hub\" \/>\n<meta property=\"og:description\" content=\"Saving for a large deposit has long been one of the biggest barriers to buying a home in the UK. To address this, the Conservative government of 2021 introduced the Mortgage Guarantee Scheme, designed to encourage lenders to offer mortgages with deposits as low as 5%. The scheme ran from April 2021 until June 2025,\" \/>\n<meta property=\"og:url\" content=\"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/government-guarantee-for-95-mortgages\/\" \/>\n<meta property=\"og:site_name\" content=\"Yopa Homeowners Hub\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-20T05:35:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-20T14:38:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.yopacrm.yopa.co.uk\/homeowners-hub\/uploads\/2021\/03\/95-per-cent-mortgage.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"3440\" \/>\n\t<meta property=\"og:image:height\" content=\"1440\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ben Johnson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ben Johnson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/government-guarantee-for-95-mortgages\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/government-guarantee-for-95-mortgages\\\/\"},\"author\":{\"name\":\"Ben Johnson\",\"@id\":\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/#\\\/schema\\\/person\\\/2d3ba6146270336ab4853fd47fc09245\"},\"headline\":\"The Government Guarantee for 95% mortgages explained\",\"datePublished\":\"2026-08-20T05:35:25+00:00\",\"dateModified\":\"2026-08-20T14:38:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/government-guarantee-for-95-mortgages\\\/\"},\"wordCount\":813,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/government-guarantee-for-95-mortgages\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cdn.yopacrm.yopa.co.uk\\\/homeowners-hub\\\/uploads\\\/2021\\\/03\\\/95-per-cent-mortgage.jpg\",\"articleSection\":[\"Buying Guides\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/government-guarantee-for-95-mortgages\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/government-guarantee-for-95-mortgages\\\/\",\"url\":\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/government-guarantee-for-95-mortgages\\\/\",\"name\":\"The Government Guarantee for 95% mortgages explained - Yopa Homeowners Hub\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/government-guarantee-for-95-mortgages\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/government-guarantee-for-95-mortgages\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cdn.yopacrm.yopa.co.uk\\\/homeowners-hub\\\/uploads\\\/2021\\\/03\\\/95-per-cent-mortgage.jpg\",\"datePublished\":\"2026-08-20T05:35:25+00:00\",\"dateModified\":\"2026-08-20T14:38:49+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/#\\\/schema\\\/person\\\/2d3ba6146270336ab4853fd47fc09245\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/government-guarantee-for-95-mortgages\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/government-guarantee-for-95-mortgages\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/government-guarantee-for-95-mortgages\\\/#primaryimage\",\"url\":\"https:\\\/\\\/cdn.yopacrm.yopa.co.uk\\\/homeowners-hub\\\/uploads\\\/2021\\\/03\\\/95-per-cent-mortgage.jpg\",\"contentUrl\":\"https:\\\/\\\/cdn.yopacrm.yopa.co.uk\\\/homeowners-hub\\\/uploads\\\/2021\\\/03\\\/95-per-cent-mortgage.jpg\",\"width\":3440,\"height\":1440},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/government-guarantee-for-95-mortgages\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"The Government Guarantee for 95% mortgages explained\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/#website\",\"url\":\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/\",\"name\":\"Yopa Homeowners Hub\",\"description\":\"Just another WordPress site\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/dy36-2.stage.yopa-dev.co.uk\\\/homeowners-hub\\\/#\\\/schema\\\/person\\\/2d3ba6146270336ab4853fd47fc09245\",\"name\":\"Ben Johnson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/1342173c77d5978c3f1d60addbdafc9a5302f80a8c4c458888b05ce5fb86313f?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/1342173c77d5978c3f1d60addbdafc9a5302f80a8c4c458888b05ce5fb86313f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/1342173c77d5978c3f1d60addbdafc9a5302f80a8c4c458888b05ce5fb86313f?s=96&d=mm&r=g\",\"caption\":\"Ben Johnson\"},\"description\":\"Ben Johnson has been with Yopa for nearly a decade, following a career at Rightmove. He has a strong interest in house prices and property valuations, specialising in analysing how wider macro-economic trends and local market conditions impact property values across the UK.\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The Government Guarantee for 95% mortgages explained - Yopa Homeowners Hub","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/government-guarantee-for-95-mortgages\/","og_locale":"en_US","og_type":"article","og_title":"The Government Guarantee for 95% mortgages explained - Yopa Homeowners Hub","og_description":"Saving for a large deposit has long been one of the biggest barriers to buying a home in the UK. To address this, the Conservative government of 2021 introduced the Mortgage Guarantee Scheme, designed to encourage lenders to offer mortgages with deposits as low as 5%. The scheme ran from April 2021 until June 2025,","og_url":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/government-guarantee-for-95-mortgages\/","og_site_name":"Yopa Homeowners Hub","article_published_time":"2026-08-20T05:35:25+00:00","article_modified_time":"2026-08-20T14:38:49+00:00","og_image":[{"width":3440,"height":1440,"url":"https:\/\/cdn.yopacrm.yopa.co.uk\/homeowners-hub\/uploads\/2021\/03\/95-per-cent-mortgage.jpg","type":"image\/jpeg"}],"author":"Ben Johnson","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Ben Johnson","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/government-guarantee-for-95-mortgages\/#article","isPartOf":{"@id":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/government-guarantee-for-95-mortgages\/"},"author":{"name":"Ben Johnson","@id":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/#\/schema\/person\/2d3ba6146270336ab4853fd47fc09245"},"headline":"The Government Guarantee for 95% mortgages explained","datePublished":"2026-08-20T05:35:25+00:00","dateModified":"2026-08-20T14:38:49+00:00","mainEntityOfPage":{"@id":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/government-guarantee-for-95-mortgages\/"},"wordCount":813,"commentCount":0,"image":{"@id":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/government-guarantee-for-95-mortgages\/#primaryimage"},"thumbnailUrl":"https:\/\/cdn.yopacrm.yopa.co.uk\/homeowners-hub\/uploads\/2021\/03\/95-per-cent-mortgage.jpg","articleSection":["Buying Guides"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/government-guarantee-for-95-mortgages\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/government-guarantee-for-95-mortgages\/","url":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/government-guarantee-for-95-mortgages\/","name":"The Government Guarantee for 95% mortgages explained - Yopa Homeowners Hub","isPartOf":{"@id":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/#website"},"primaryImageOfPage":{"@id":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/government-guarantee-for-95-mortgages\/#primaryimage"},"image":{"@id":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/government-guarantee-for-95-mortgages\/#primaryimage"},"thumbnailUrl":"https:\/\/cdn.yopacrm.yopa.co.uk\/homeowners-hub\/uploads\/2021\/03\/95-per-cent-mortgage.jpg","datePublished":"2026-08-20T05:35:25+00:00","dateModified":"2026-08-20T14:38:49+00:00","author":{"@id":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/#\/schema\/person\/2d3ba6146270336ab4853fd47fc09245"},"breadcrumb":{"@id":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/government-guarantee-for-95-mortgages\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/government-guarantee-for-95-mortgages\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/government-guarantee-for-95-mortgages\/#primaryimage","url":"https:\/\/cdn.yopacrm.yopa.co.uk\/homeowners-hub\/uploads\/2021\/03\/95-per-cent-mortgage.jpg","contentUrl":"https:\/\/cdn.yopacrm.yopa.co.uk\/homeowners-hub\/uploads\/2021\/03\/95-per-cent-mortgage.jpg","width":3440,"height":1440},{"@type":"BreadcrumbList","@id":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/government-guarantee-for-95-mortgages\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/"},{"@type":"ListItem","position":2,"name":"The Government Guarantee for 95% mortgages explained"}]},{"@type":"WebSite","@id":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/#website","url":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/","name":"Yopa Homeowners Hub","description":"Just another WordPress site","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/#\/schema\/person\/2d3ba6146270336ab4853fd47fc09245","name":"Ben Johnson","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/1342173c77d5978c3f1d60addbdafc9a5302f80a8c4c458888b05ce5fb86313f?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1342173c77d5978c3f1d60addbdafc9a5302f80a8c4c458888b05ce5fb86313f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/1342173c77d5978c3f1d60addbdafc9a5302f80a8c4c458888b05ce5fb86313f?s=96&d=mm&r=g","caption":"Ben Johnson"},"description":"Ben Johnson has been with Yopa for nearly a decade, following a career at Rightmove. He has a strong interest in house prices and property valuations, specialising in analysing how wider macro-economic trends and local market conditions impact property values across the UK."}]}},"_links":{"self":[{"href":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/wp-json\/wp\/v2\/posts\/2162","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/wp-json\/wp\/v2\/comments?post=2162"}],"version-history":[{"count":10,"href":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/wp-json\/wp\/v2\/posts\/2162\/revisions"}],"predecessor-version":[{"id":4829,"href":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/wp-json\/wp\/v2\/posts\/2162\/revisions\/4829"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/wp-json\/wp\/v2\/media\/2163"}],"wp:attachment":[{"href":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/wp-json\/wp\/v2\/media?parent=2162"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/wp-json\/wp\/v2\/categories?post=2162"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/wp-json\/wp\/v2\/tags?post=2162"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}