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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We have a team on hand, waiting to help you. Enquire today about how we can help.
Our approach focuses on understanding your unique circumstances and tailoring our advice to fit your specific needs.
With years of experience in the mortgage industry, we navigate the complexities of the market with ease.
Nothing is ever too complex for us! We thrive on finding solutions, whether you have a unique financial situation or specific requirements.
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
There’s no individual rate of stamp duty for towns and cities in the UK, the rates just vary from nation to nation as outlined below:
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 you already own 4 or more properties, or have the ambition to build your portfolio, there are now additional regulatory requirements for lenders to factor in to their assessments. The regulation is not prescriptive but some examples include the lender’s relationship with the borrower, how much experience the borrower has as a landlord and a view of the borrower’s overall property portfolio.
We will:
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.
There’s lots of numbers involved and calculations to do when dealing with finances, explore our free-to-use calculators to keep things simple.
Calculate what a monthly mortgage payment might look like for you.
At Appleton Mortgages, we’re committed to guiding you every step of the way, making the process as seamless and enjoyable as possible.
Understand our 8 step process, from having your initial chat to receiving your keys.
Contact us via phone, email, or our website to schedule your initial consultation. During this conversation, we’ll discuss your goals, financial situation, and any specific requirements you may have. This helps us understand how we can best assist you.
In our in-depth consultation, we’ll dive deeper into your needs and preferences. We’ll gather essential information, such as your income, credit history, and desired property type. This allows us to assess your mortgage options and outline a personalised plan.
Once we have all the necessary information, we’ll conduct thorough research to find the most suitable mortgage products for you. We’ll present our recommendations, explaining the benefits and potential drawbacks of each option, so you can make an informed decision.
After you choose a mortgage option, we’ll help you prepare your application. This includes gathering all required documents and ensuring everything is in order. We’ll guide you through the paperwork and clarify any questions you may have.
We’ll submit your mortgage application to the lender on your behalf. Our team will stay in close contact with the lender to ensure everything moves smoothly and address any queries that may arise during the process.
As your application is processed, we’ll liaise with estate agents and solicitors to keep everyone in the loop. This allows you to focus on your day job while we handle the running around and ensure all parties are aligned.
Once your application is approved, you’ll receive a formal mortgage offer. We’ll review the offer with you to ensure you understand the terms and conditions, and we’ll help you navigate the acceptance process.
Finally, once all legal work is completed and the funds are in place, your mortgage will be finalised. We’ll be there to support you through the completion, ensuring everything goes smoothly and you’re ready to move into your new home!
Brentwood is that it has a rich musical heritage and was the birthplace of the British rock band The Prodigy. Formed in the early 1990s, The Prodigy became famous for their energetic music and hits like “Firestarter” and “Breathe.” Their connection to Brentwood adds to the town’s reputation as a hub for creative talent!
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.
We may charge a fee for arranging your mortgage, depending on your circumstances. Our fees range from £0-£799. In many cases, no fees are charged. Any applicable fees will be agreed with you in advance.
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.