Stamp Duty hike drives up moving costs
The cost of moving home in England has jumped 10.9% over the past year, according
14 May 2025
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A first-time buyer mortgage is a home loan designed for people purchasing their first property. It typically requires a smaller deposit, often as low as 5%, and in some cases, you may even find options with no deposit at all
As of now, first-time buyers in England and Northern Ireland benefit from the following stamp duty relief:
In Scotland, first-time buyers pay the Land and Buildings Transaction Tax (LBTT), with a tax-free threshold of £175,000. Any amount above this is subject to tax rates starting from 2%.
In Wales, the Land Transaction Tax (LTT) applies, and first-time buyers only pay tax on properties priced over £180,000. There is currently no specific relief for first-time buyers in Wales, but the tax structure is similar to that of Scotland.
If your mortgage is nearing its end, it’s advisable to contact our remortgage advisors at least five to six months beforehand. This timeframe allows us to assess your situation, see what your current lender might offer to keep you, and compare it with other options on the market. It’s crucial not to automatically renew with your existing lender, as some may initially offer attractive rates but not the best options when it’s time to renew. This could lead you to a more expensive deal that no longer fits your financial needs, especially if your circumstances have changed.
A home mover mortgage is a type of loan for people who are moving to a new home. This includes those who are selling their current property as well as those who want to keep it, turning it into a buy-to-let (BTL) investment or gifting it to their children. If you’re moving, you can use the money from selling your old home as a deposit for your new one.
We cover a a wide range of locations. So, if you need advice from a broker
local to you, we can help. Discover the areas we cover below.
The cost of moving home in England has jumped 10.9% over the past year, according
Buying a home is now significantly cheaper than renting across most of Great Britain, according
The UK mortgage market bounced back strongly at the end of 2024, driven by first-time
We offer face to face appointments in the areas where we have brokers. If you live outside of that area, we can still help you! We offer phone call and zoom appointments nationwide.
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £295
Your home may be repossessed if you do not keep up repayments on your mortgage.
Appleton Mortgages Limited is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
Registered Office: Appleton Mortgage Limited,85 Great Portland Street, London, England, W1W 7LT. Registered Company Number: 15807713.Registered in England & Wales/Northern Ireland/Ireland/Scotland.