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02/11/2026

A 2.5% deposit to buy your first home? Yes, really, and it's now officially confirmed. 🏡

The Autumn Budget gave the green light to the Your First Home scheme, and here's what we know so far:

✅ You need just a 2.5% deposit
✅ The government adds a 20% equity loan, interest-free for the first five years
✅ Applications open February 2027
✅ It's for first-time buyers in England, on new-build homes
✅ Income caps apply: £110,000 outside London, £140,000 in London

Worth knowing: the equity loan isn't free money. It's a share of your home, so it's worth understanding how it works before you sign anything, and there's plenty of detail still to come.

The good news? The window to prepare is open now. Getting your savings plan, credit file and documents in shape before February could put you first in the queue when applications open.

If you're wondering where to start, that's exactly what we're here for. Free, no-obligation initial advice, seven days a week: at our office, your home or your workplace. 🤝

Your home may be repossessed if you do not keep up repayments on your mortgage.

31/10/2026

Trick or treat? Here's what actually scares us about mortgages 🎃🏡

Forget ghosts and ghouls. These are the scary mortgage mistakes we see all year round:

🚩 Drifting onto your lender's standard variable rate when your deal ends. It can cost you hundreds a month without you noticing.
🚩 Moving money around in the months before completion. Underwriters want a clear paper trail.
🚩 Skipping the survey to save a few hundred pounds. Costly surprises love an uninspected house.
🚩 Applying with your bank only. Your bank can only offer their products. We compare across the market.

None of these are spooky if you know to look out for them. And unlike Halloween, they don't just turn up once a year.

If your deal is ending in the next 6–12 months, it's worth getting ahead now rather than waiting for something to go bump in the night. 👀

Free, no-obligation initial advice, seven days a week: at our office, your home or your workplace.

www.alkomortgages.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

29/10/2026

The keys are finally in your hand 🔑🏡

Years of saving, paperwork, house viewings and waiting. You’ve protected the property with buildings insurance, maybe the contents too.

But what about the income that pays for it all?

You’ve worked hard to buy your home. Don’t forget to think about protecting the income that helps you keep it.

26/10/2026

Uncertain market? That doesn’t always mean it’s a bad time to buy 🏡

When confidence drops, some buyers pause. That can sometimes mean:

🏠 Less competition
🤝 More room to negotiate
💷 More flexible sellers
👀 More choice for buyers

And remember, the lowest mortgage rate doesn’t necessarily mean the best overall outcome. The price you pay for the property matters too.

Nobody can perfectly time the housing or mortgage market.

Being prepared means you’re ready to move when the right property and opportunity comes along 🔑

Your home may be repossessed if you do not keep up repayments on your mortgage.

22/10/2026

When your mortgage adviser asks how many times you’ve used Klarna this month… 👀😂

Buy Now, Pay Later commitments can form part of a lender’s affordability assessment, so don’t be surprised if your adviser asks about them.

Your home may be repossessed if you do not keep up repayments on your mortgage.

19/10/2026

Buying a home? 🏡 Avoid these costly mistakes!

🔎 Viewing homes before knowing your budget
🏦 Only checking one lender
📉 Focusing purely on the lowest rate
🚗 Taking out new credit before completion
💷 Forgetting about the extra costs
⏰ Waiting too long to get advice

Getting prepared early can make the whole home buying process a lot smoother.

Know your budget. Understand your options. Then start house hunting 🔑

Your home may be repossessed if you do not keep up repayments on your mortgage.

15/10/2026

🚩 Life insurance isn't something you should set and forget.

We regularly see policies that no longer match people's circumstances, leaving families underprotected without realising it.

Swipe through to see some of the most common red flags. 👉

12/10/2026

Feedback like this ❤️

Buying your first home can feel like a lot to take in, so making the process feel simple and keeping clients informed every step of the way is exactly what we aim for.

A lovely review for Georgina and very well deserved 👏🏼🏡

Your home may be repossessed if you do not keep up repayments on your mortgage.

08/10/2026

When you go to the bank for your mortgage…

Bank: “Computer says no.”

That doesn’t necessarily mean you can’t get a mortgage.

Every lender has different criteria and different ways of assessing affordability. One lender might say no, while another could be happy with exactly the same circumstances.

That’s where speaking to a mortgage broker can make a difference 🏡

Your home may be repossessed if you do not keep up repayments on your mortgage.

05/10/2026

Should you remortgage now or wait? 👀

You can often start looking at your remortgage options months before your current deal ends.

That could give you the option to secure a new deal early, while still keeping an eye on the market.

And if a better rate becomes available before completion? Depending on the lender and product, you may be able to switch.

Don’t leave your remortgage until the last minute.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

Bristol

Telephone

+441172444441

Website

http://www.alkomortgages.co.uk/contact/

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