How Much Deposit Do You Really Need to Buy a House in 2026? One of the biggest misconceptions when it comes to buying a home is how much deposit you actually need. We regularly speak to clients who believe they need a 10% or even 20% deposit before they can consider buying. In reality, this […]
How Much Deposit Do You Really Need to Buy a House in 2026? Read More »
What Actually Stops People Getting a Mortgage? Many people assume that getting a mortgage is simply a case of having a job and a deposit. In reality, lenders assess a number of different factors before approving an application. At Prospect Tree Mortgages we often speak to clients who believe they won’t be able to get
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Saving for a deposit has long been one of the biggest hurdles facing first-time buyers in the UK. In fact, many prospective buyers say that raising a deposit is the single biggest barrier preventing them from getting onto the property ladder. In recent months, however, we’ve started to see some lenders introduce products designed to
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I’m on a low fixed rate, should I be doing anything yet? Over the past few years, many homeowners secured extremely low fixed rate mortgages, often between 1% and 2%. If you are one of them, it is completely understandable that reviewing your mortgage may not feel urgent right now. However, one of the most
I’m on a low fixed rate, should I be doing anything yet? Read More »
Mortgage lending is becoming more flexible in 2026, and what it means for you Over the past couple of years, many borrowers have felt restricted by affordability, rising living costs and uncertainty around interest rates. Some assumed they could not move, remortgage or borrow more, while others delayed plans altogether. However, behind the scenes, mortgage
Mortgage lending is becoming more flexible in 2026, and what it means for you Read More »
