You are unlikely to get a £95k mortgage as they normally multiply your salary by x3-4 giving you a maximum of £84k. If you did manage to get a mortgage you do not have to have a 25 year term; this seems to be the average but might not be the best. If you expect your salary to increase a lot over the next couple of years then you could take out a 2 year deal with a 30 year term and then when you are due to remortgage in 2 you would be able to reduce the term (which at that point would be 28 years left) to say 23 yearss. Obviously you would then pay more a month, but if you had a higher salary by then it wouldn't matter.
Rather than work out how much you want to buy for work out how much you can afford to pay on a mortgage; remember you will have all bills (utilities, food, insurances, council tax, running a car, phones, tv license, sky internet) plus money for going out, money for presents, savings?, etc. Then once you have calculated how much you can afford, use an online mortgage caluculator to work out what mortgage you can get over say 30 years. If I were you I would use around 4.5%-5% as your gearing will be low due to the small deposit.
Good luck! I am no expert but have just bought a house so have been through all this recently!