Predictions for house price growth
Savills has published its latest five-year outlook for the UK housing market, including predictions for
5 January 2026
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Whether you’re a first time buyer, or you’re buying your 5th investment property, we can help you; and everybody else in between.
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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.
Savills has published its latest five-year outlook for the UK housing market, including predictions for
A survey from LRG has revealed the three most influential factors when buying a property,
Data from the Bank of England shows that UK borrowers are currently favouring two-year fixed-rate
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.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
As with all Insurances policies, conditions and exclusions will apply.
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.