How Much Deposit Do You Need to Buy a Property?
Saving for a deposit is often the first big step on the journey to buying your own home. But one of the most common questions we hear is, “How much do I actually need?” In our YouTube video, we break this down clearly and simply, helping you understand how much you’ll need to save and […]
Proposed Mortgage Rule Changes: Could This Help Me?
If you’re a first-time buyer (FTB) struggling to get on the property ladder, recent discussions about potential changes to mortgage rules could bring some relief. Regulators and the government are considering adjustments that aim to make homeownership more accessible to prospective buyers, especially those with reliable financial habits but limited access to large deposits or […]
What is Loan to Value?
The Loan-to-Value (LTV) ratio is a financial metric used by lenders to assess risk when approving a mortgage or loan. It compares the loan amount to the appraised value or purchase price of a property, expressed as a percentage. Understanding LTV helps borrowers make informed financial decisions, impacting loan approval, costs, and overall mortgage terms. Find out […]