First-Time Buyers in 2025: Is Now the Right Time to Buy a Home? With the Bank of England recently cutting the base rate down and some lenders introducing more generous income multiples for renters, the big question for first time buyers is back on the table. Do you buy now or wait for mortgage rates … Continue reading “First-Time Buyers in 2025: Is Now the Right Time to Buy a Home? “

Bank of England Cuts Base Rate to 4%. What It Could Mean for You Updated: 7 August 2025. The Bank of England has announced a 0.25% base rate cut, reducing it to 4%, meaning it is now at it’s lowest level since March 2023. This move is another positive step in the right direction for mortgage … Continue reading “Bank of England Cuts Base Rate to 4% – What It Means for You”

Why Getting a Mortgage in Principle Makes You a Serious Buyer. An Agreement in Principle (AIP), sometimes called a Mortgage/Decision/Offer in Principle, is one of the most powerful tools you can have in your home buying journey, especially in today’s fast-moving and competitive market. Here’s why serious buyers start with having a mortgage in principle.  … Continue reading “Why Getting a Mortgage in Principle Makes You a Serious Buyer.”

A First Time Buyer’s Guide to Getting a Mortgage in 2025 How do first time buyers get a mortgage in the UK? To get a mortgage as a first time buyer in the UK you usually need at least a deposit of 5-10%, proof of income and a good credit history. However, there are many … Continue reading “First Time Buyer Mortgage Guide (2025) | The Mortgage Broker”

The Mortgage Broker has appointed Kevin Blount as its Director of Commercial Operations. The Mortgage Broker are absolutely thrilled to have Kevin Blount as part of their senior team. Kevin brings a wealth of experience across The Mortgage Industry, and most recently, with a market leading platform, One Mortgage System. Sam Kirtikar, The Mortgage Broker’s … Continue reading “Kevin Blount joins The Mortgage Broker”

Do you have credit card debt that you would like to reduce or clear? It can be easy for the balance on your credit cards to quickly mount up, leaving you with large debts and a lot of stress.  

With the Bank of England holding interest rates in September 2024, first-time buyers face a key decision: buy now or wait for lower mortgage rates. As housing prices rise and rental costs remain high, acting sooner could be wise. In this post, we explore why buying now may benefit first-time buyers.

Changes to Stamp Duty Land Tax are on their way, set to take effect on March 31, 2025. The temporary increases to the benchmarks that were introduced in September 2022 are coming to an end.

These changes will affect everyone who is planning to move home. First-time buyers will see the biggest impact from the rule changes.

Ultimately, pinpointing the “ideal” moment to purchase doesn’t really exist. What truly matters are the fundamental factors: having a deposit, sufficient borrowing capacity, and viable properties on the market. If you possess your deposit, your income meets the requirements, and suitable properties are available, what’s holding you back from making the leap?

Between now and the conclusion of 2024, over 1.4 million households will reach the conclusion of their mortgage fixed rate. If you find yourself in this category, it’s advisable to consult with an independent mortgage advisor.