Tag: Mortgage Affordability

House prices rise 0.3% in January – Nationwide

Author: Property118.com Landlord News Team

2nd February 2026, 3 months ago | 0

Annual house prices grew 1% in January, with values rising 0.3% on a month-on-month basis after seasonal adjustment. According to...

Affordability improves as first-time buyer activity rises

Author: Property118.com Landlord News Team

20th January 2026, 3 months ago | 1

Nationwide says that improving affordability last year helped more first-time buyers onto the property ladder. Its latest Housing Affordability Report...

First-time buyers lift home moves to three-year high as price growth cools

Author: Property118.com Landlord News Team

19th December 2025, 4 months ago | 1

The housing market is heading for its busiest year in three years, with sales set to reach 1.2 million in...

Buy-To-Let Mortgages for First-Time Landlords

Author: Mark Alexander

15th December 2025, 4 months ago | 0

Getting started in property investment can feel daunting, particularly in today’s mortgage market. First-time landlords face stricter criteria, larger deposit...

Two incomes no longer enough as first-time buyers hit affordability wall

Author: Property118.com Landlord News Team

24th October 2025, 6 months ago | 5

A growing number of aspiring first-time buyers are discovering that even two salaries may no longer be enough to get a...

House prices climb as sellers hold firm on their expectations

Author: Property118.com Landlord News Team

24th October 2025, 6 months ago | 0

House prices have risen again, marking the second straight quarter of growth this year, according to new data from Benham...

Six million renters want to be first-time buyers

Author: Property118.com Landlord News Team

25th September 2025, 7 months ago | 2

Up to six million tenants could be preparing to take their first step onto the property ladder as 29% of...

How Much Equity Do You Really Need? Buy-To-Let Loan-to-Value Ratios Explained

Author: Mark Alexander

15th September 2025, 7 months ago | 0

One of the first questions landlords face when financing or refinancing a buy-to-let property is how much equity they will...

Buy to let market thrives with improved mortgage affordability

Author: Property118.com Landlord News Team

16th July 2025, 9 months ago | 0

A decision last March by the Bank of England to relax its stress testing guidelines for mortgage affordability assessments has...

BTL mortgage lenders roll out new rates for landlords

Author: Property118.com Landlord News Team

24th June 2025, 10 months ago | 0

Buy to let mortgage providers Molo and ModaMortgages have unveiled new pricing structures and products aimed at boosting affordability for...

Landbay and Aldermore cut BTL mortgage rates for landlords

Author: Property118.com Landlord News Team

20th May 2025, 11 months ago | 0

Specialist lenders Landbay and Aldermore have announced reductions in their buy to let mortgage rates, boosting affordability for both new...

Property market sees a surge in buyer activity

Author: Property118.com Landlord News Team

9th May 2025, 12 months ago | 0

There has been a robust upswing in buyer activity across England over the past year with nearly every county witnessing...

2.2m first-time buyers locked out since the financial crash

Author: Property118.com Landlord News Team

7th May 2025, 12 months ago | 5

Around 2.2 million potential first-time buyers have been unable to purchase a home since the 2006 financial crisis – and...

Slower house price growth but sales rise – Zoopla

Author: Property118.com Landlord News Team

29th April 2025, 12 months ago | 0

The property market is experiencing a cooling in house price rises, with annual growth dropping to 1.6% in March from...

First-time buyers surge but stamp duty changes loom

Author: Property118.com Landlord News Team

19th February 2025, 1 year ago | 0

The number of first-time buyers stepping onto the property ladder has surged, according to Halifax. Data from Halifax shows that...

BTL mortgage rates predicted to fall further

Author: Property118.com Landlord News Team

18th February 2025, 1 year ago | 0

The Bank of England’s recent base rate drop, coupled with declining swap rates, hints at improved BTL mortgage affordability, Octane...

Bank of England cut interest rates to 4.5%

Author: Property118.com Landlord News Team

6th February 2025, 1 year ago | 0

The Bank of England’s Monetary Policy Committee (MPC) hawks came out on top today, voting 7-2 to cut the Bank...

More homes on sale with higher EPC ratings

Author: Property118.com Landlord News Team

6th January 2025, 1 year ago | 2

Research reveals that 60% of all homes reaching the market over the past year held an EPC rating of C...

Stamp duty relief blow for first-time buyers

Author: Property118.com Landlord News Team

29th July 2024, 2 years ago | 3

Only 37% of homes for sale will qualify for stamp duty relief when the current threshold of £425,000 reverts to...

The renters reform bill (a sad act)?

Author: Readers Question

24th June 2024, 2 years ago | 7

In 1988 Thatcher reformed the property market opening the way for BTL mortgages. She created new legislation and new tenancies...