5% Mortgage Deposits Are Back!

5% Mortgage Deposits Are Back!

Quick Read- 95% mortgages are making a return to the market- so, can you get one? find out out more!

Since the start of the pandemic back in early 2020 mortgage lenders have limited the products they have available to buyers and therefore meant they have been demanding higher deposits. This has caused a lot of difficulty for buyers trying to get on the property ladder, after having saved for years for a deposit they were told it was not enough.

In the Chancellors most recent budget it was announced that 5% deposit mortgages would make a return. The news was welcomed by first time buyers trying to save for their first home.

Tomorrow, 17th March, the first lender will begin offering these mortgage products, they will be in high demand so availability may be limited. If you are thinking of purchasing a property or would like to find out more about how we can help with your mortgage then get in touch with us:

Email Us: lesley@lesleyhooks.co.uk
Call Us: 0151 644 6000 (Bebington) 0151 334 5875 (Bromborough)
Whatsapp (Messages Only): 07538771198

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April is the final window for landlords in England to prepare for the first phase of the Renters’ Rights Act. With the new tenancy regime starting on 1 May 2026, now is the time to review paperwork, processes and whether self-management still feels realistic.

After a subdued end to 2025, the first quarter of 2026 has quietly rebuilt confidence in the housing market. March may be the strategic launch point sellers have been waiting for.

For tenants, April is a useful point to pause and plan. With rents still rising across the UK and the first phase of rental reform approaching in England, this is a good time to review your budget, renewal options and next move.

Rental demand remains resilient in early 2026, but growth has moderated. For landlords, spring is less about reacting and more about refining strategy.