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 […]
Are you a first-time buyer? Struggling with a deposit?
I have been advising on mortgages for over 15 years and the deposit has always been the main issue for most first-time buyers. As well as finding the deposit money, you need funds for solicitors, valuation fees, potentially stamp duty and then furnishing your property. Not every first-time buyer can rely on the “Bank of […]