Davidson said she is currently lobbying both the prime minister and the chancellor in an attempt to stop people struggling to find large deposits to satisfy stricter rules among lenders.
Davidson said: "It is obviously right that banks are stopped from selling mortgages to people who can't afford to make the monthly payments.
"But it is wrong that mortgages are no longer available to people who can afford to make the monthly payments, but who suddenly - as a knock-on effect of irresponsible bank lending in the past - are required to have at least 20% or 30% deposit instead of a 5% deposit."
The Dumfries & Galloway Standard reported that Davidson welcomed the Scottish Government’s action on new-build property but wants bigger changes.
"That's why I'm calling on the UK Treasury to do more with the Bank of England to come up with a way to bring back affordable, 95% mortgages," Davidson told an invited audience at the Mitchell Library in Glasgow.
“Such deals are still common in other countries like the US, Canada and Australia, so why can't they return here?
"I don't want to encourage people to take on loans they can't afford, but lending with small deposits has been an important part of our mortgage market for a long time.
“In the past it has helped families on modest incomes achieve the dream of buying their own home. It is time for us to take real action to rekindle that dream."
