by Brian Downton | J, Aug, 2025 | blog, mortgages
Buying a house can certainly be a daunting experience, especially when it’s your first time doing so. What doesn’t help is the wealth of jargon and terminology used during the mortgage process and throughout the entire journey to buy your new home. If you’re looking...
by Brian Downton | J, Aug, 2025 | blog, mortgages
Applying for your first mortgage is an exciting milestone, but it can also feel overwhelming. Lenders assess numerous factors to determine your eligibility, and some seemingly minor financial decisions can significantly impact your application. To help you secure...
by Brian Downton | J, Aug, 2025 | blog, mortgages
For first-time buyers in 2025, the property market is in stark contrast to when previous generations bought their first homes. The average first-time buyer in 1960 paid a deposit of just £595 (roughly £12,738 today) compared to an average of £53,424 in 2024. A recent...
by Brian Downton | J, Jul, 2025 | blog, mortgages
With gifts and loans from the Bank of Mum and Dad totalling a whopping £9.4bn in 2023, it would be one of the UK’s biggest if it was a real bank or lender. Given the clear affordability challenges still facing house buyers – particularly first timers – that figure...
by Brian Downton | J, Jul, 2025 | blog, mortgages
A 100% mortgage is, very simply, a home loan which allows the buyer to purchase a property without putting down any money (or a deposit) up front. Prior to 2008, it was common for lenders to offer deposit-free mortgages as standard, with some even allowing consumers...
by Brian Downton | J, Jul, 2025 | blog, mortgages
Buying a house can certainly be a daunting experience, especially when it’s your first time doing so. What doesn’t help is the wealth of jargon and terminology used during the mortgage process and throughout the entire journey to buy your new home. If you’re looking...
by Brian Downton | J, Jun, 2025 | blog, mortgages
Any first-time buyer trying to save up for a deposit to purchase their first home may feel daunted by how expensive the housing market is. There is no doubt that it is much more difficult to get your foot onto the property ladder than ever before. In 2023, House Buyer...
by Brian Downton | J, Jun, 2025 | blog, mortgages
Every six weeks or so, all eyes are on the Bank of England and its Monetary Policy Committee (MPC) – the group that decides whether interest rates will be increased, held or cut. How they choose to act has an impact on how much it costs banks to borrow money and what...
