Mortgage Rates Cut – A Real Opportunity for First-Time Buyers in Southport, Formby, Ainsdale & Ormskirk
If you’re a first-time buyer looking to purchase in Southport, Formby, Ainsdale or Ormskirk, this week has brought genuinely positive news. Several major lenders, including Nationwide Building Society, Santander UK, NatWest and Barclays, have reduced their mortgage rates — particularly for buyers purchasing with 5%, 10% and 15% deposits. For first-time buyers in Southport and […]
Mortgage Case Study: Remortgaging a Property in Ainsdale to Buy a New Home in Formby
When moving home, many homeowners assume selling their current property is the only way to raise a deposit. However, with the right mortgage advice, it’s often possible to keep your existing property, turn it into a buy-to-let, and still buy your next home. In this case study, I explain how I helped a client remortgage their […]
Three essential tips for a First time Buyer in 2026
Getting onto the property ladder for the first time is a huge milestone — and in 2026, preparation matters more than ever. With changing mortgage rates, affordability checks and increased competition, the earlier you get organised, the smoother your journey will be. Here are three essential steps every first-time buyer should take before starting to […]
Are You a First-Time Buyer With No Deposit? Here’s What You Need to Know About 100% Mortgages
If you’re a first-time buyer struggling to save for a deposit, 100% mortgages (also known as no-deposit mortgages) are available in the UK. These deals let you borrow the entire purchase price of a property — but they’re not risk-free. I will explain how they work, who offers them, and whether a 100% mortgage is the […]
First Time Buyer? The freedom to Buy Scheme could help you get on the property ladder
Buying your first home is an exciting milestone—but if you’re a first-time buyer in Southport, you’ll know it’s not without its challenges. Saving for a large deposit while covering rent and the rising cost of living can feel like an uphill struggle. That’s where the Freedom to Buy scheme could help. This government-backed initiative could make […]
📈 UK Mortgage Approvals Rise for the First Time in 2025: Good news for First Time Buyers and Home Movers.
In a welcome shift for the UK housing market, mortgage approvals have risen for the first time this year, signalling improving conditions for first time buyers and home movers. According to the latest data from the Bank of England, 63,000 mortgages were approved in May 2025—a jump of 2,400 from April. ✅ What’s Behind the […]
How First-Time Buyers Can Save for a House Deposit in the UK
Finding your first home is an exciting milestone — but for many, the biggest hurdle is saving for a deposit. With rising house prices and living costs, it’s easy to feel overwhelmed before you’ve even started. I’ve been advising and arranging mortgages for nearly 20 years, and saving for a deposit has consistently been one […]
How does an Interest rate cut effect Mortgage borrowers?
It is no surprise that The Bank of England have voted today to cut interest rates from 4.5% to 4.25%. It has been heavily predicted in the market that there would be a rate cut. If you are a mortgage borrower the impact depends on the type of mortgage you have. Variable or Tracker mortgage […]
Good news for First time buyers as lenders reduce Fixed rate mortgages.
Mortgage lenders over the last 2 weeks have been reducing their fixed rate mortgage deals. This is welcome news for First time buyers and clients looking to move house or remortgage their property. The main reason for this is the rate at which Mortgage lenders borrow money at has been falling over the last few […]