Linden Homes is claiming to be the first housebuilder to offer a 95% mortgage, following recent government announcements on the new mortgage indemnity scheme. Linden’s “Step Up” product allows buyers with a 5% deposit to purchase one of the housebuilder’s homes. It offers a rate of 4.99%, fixed until April 2015 on a 95% LTV mortgage. Buyers with a 10 …