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95% LTV shared ownership mortgages: what you need to know image

95% LTV shared ownership mortgages: what you need to know

September 12, 2022

Making home ownership more accessible with lower deposits The shared ownership sector has gained some real traction recently, with more and more lenders offering raised LTV criteria on newly built homes. Several big-name lenders now offer…

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The government’s pledge to combat declining homeownership rates image

The government’s pledge to combat declining homeownership rates

July 25, 2022

What new housing policies could mean for first-time buyers Between 1996 and 2016, the percentage of 25 to 34-year-olds who own their own homes has fallen 19% from 55% to 34%. In a bid to combat…

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How to improve your mortgage affordability image

How to improve your mortgage affordability

May 9, 2022

Smart ways to strengthen your borrowing power With affordability tests being revised in the wake of the cost-of-living crisis currently happening in the UK, many prospective buyers are looking for ways to improve their chances at…

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Rising Inflation: How does it affect you? image

Rising Inflation: How does it affect you?

February 21, 2022

Understanding how inflation impacts mortgages and everyday finances As reports of rising inflation in the UK flood the news, we thought the time was right to take a closer look at how it could impact you.…

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First homes: is now the time to buy? image

First homes: is now the time to buy?

December 13, 2021

PLEASE NOTE – Applications for Help to Buy were to be submitted by 31st October 2022, and is no longer available to new applicants. Although it is likely that interest and mortgage rates will increase as…

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First time buyers: what are the options? image

First time buyers: what are the options?

November 15, 2021

PLEASE NOTE – Applications for Help to Buy were to be submitted by 31st October 2022, and is no longer available to new applicants. 2021 has seen some welcome good news in the first-time buyer market,…

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How much can you borrow? image

How much can you borrow?

October 4, 2021

Understanding your affordability and what lenders look for How much can you borrow? Watch a short video about borrowing over on my YouTube channel and read below for the full transcript… Hello, and welcome to The Mortgage Mum.…

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First-time Buyers & Coronavirus image

First-time Buyers & Coronavirus

January 4, 2021

PLEASE NOTE – Applications for Help to Buy were to be submitted by 31st October 2022, and is no longer available to new applicants. Being a first-time buyer can be confusing at the best of times…

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Increased interest in buy-to-let from first -time buyers image

Increased interest in buy-to-let from first -time buyers

October 13, 2020

Recent data has revealed that a growing number of first-time buyers are looking to purchase a property to let out, rather than live in. This development is a marked change from previous trends, with many lenders…

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Tracker Rate Mortgages And Why They Might Be For You image

Tracker Rate Mortgages And Why They Might Be For You

August 27, 2020

Tracker rate mortgages are a big talking point at the moment because of the Bank of England base rate being so low. A tracker rate is as it sounds, it tracks the Bank of England base…

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