A Niche Mortgages

01/11/2026

BUYING ABOVE £450K? YOUR LISA PENALTY JUST DROPPED

This is one Budget change I actually really like.

Imagine you've saved £4,000 into your Lifetime ISA, and the government adds £1,000.

Previously, withdrawing that £5,000 to buy above £450,000 would leave you with £3,750.

Now, for an otherwise qualifying first home purchase, the withdrawal charge is 20% instead of 25%.

So you'd get your original £4,000 back.

You lose the government bonus, but not that extra £250 of your own savings.

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

31/10/2026

BUY A £300K HOME WITH JUST £7,500 DEPOSIT?

Now, this is a big announcement from the Budget.

Imagine buying a £300,000 new build with just £7,500 deposit.

The government could provide a £60,000 equity loan, leaving you with a £232,500 mortgage.

Sounds brilliant, right?

But here's the catch.

It's for eligible first time buyers, won't launch until 2027, and the government's equity share is linked to the property's future value.

So understand what you're signing up for.

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

31/10/2026

🔥 LANDLORDS HIT AGAIN. IS BUY TO LET STILL WORTH IT?

Yesterday’s Budget has given landlords another reason to question whether owning rental property still stacks up.

Chancellor John Healey announced another increase in the tax rates on property income.

From April 2027, if you own rental property personally, the property income tax rates will be:

💷 24% for basic rate taxpayers
💷 44% for higher rate taxpayers
💷 49% for additional rate taxpayers

I think this raises a genuine question.

At what point do landlords simply say enough is enough?

For years, property has almost been seen as the obvious investment.

Buy a property.

Rent it out.

Let someone else contribute towards the mortgage. Hopefully benefit from capital growth over the long term.

But the numbers have changed.

Mortgage rates are higher. Stamp duty on additional properties is higher. The tax treatment isn't what it used to be.

Landlords have more regulation to deal with and now property income is being taxed even harder.

🏠 That DOESN’T mean buy to let is dead.

There are still deals that stack up, and the way you own the property can make a big difference too.

Personally owned and limited company buy to lets are not taxed in the same way, so proper tax advice is important.

But I do think the days of “just buy a buy to let, you can’t go wrong with property” are well and truly gone.

The numbers actually have to make sense.

So I’m genuinely interested, especially from the landlords in this group…

Has this Budget changed how you feel about buy to let?

🟢 A) Still buying. Property is a long term game.
🟡 😎 Keeping what I have, but I wouldn’t buy more.
🔴 C) I’m seriously considering selling.
⚫ D) I was thinking about buy to let, but this has put me off.

A, B, C or D? 👇

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

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30/10/2026

UK MORTGAGE APPROVALS HIT A 3 YEAR LOW!

UK mortgage approvals have hit their lowest level since December 2023.

Just 53,400 mortgages were approved for house purchases in September.

But that doesn’t mean banks are rejecting more applications.

It suggests buyers are being more cautious.

Do you think it’s mortgage rates or house prices putting people off buying?

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

30/10/2026

LANDLORDS: YOUR £20K PROFIT COULD COST £800 MORE

If you've got a buy to let in your personal name, listen to this.

From April 2027, the higher rate of property income tax is set to rise from 40% to 44%.

Now imagine £20,000 of taxable rental profit, all falling within that band.

That's potentially another £800 a year in tax and with mortgage costs already putting pressure on landlords, this is another hit to cashflow.

What do you think?

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

29/10/2026

BUDGET 2026: FIRST TIME BUYERS COULD SAVE THOUSANDS!

Buying your first home above £450,000?

Here’s a Budget change most people missed.

From today, first time buyers using a Lifetime ISA for that purchase face a 20% withdrawal charge, not 25%.

It removes the government bonus without eating into their own contributions. That’s significant.”

Why this matters: This change takes effect today, 29 October 2026. It addresses a longstanding problem for buyers purchasing above the £450,000 LISA property limit.

The 25% charge still applies to other unauthorised withdrawals.

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

28/10/2026

NEW MORTGAGE RULES TODAY. COULD YOU BORROW MORE?

From today, individual lenders have more flexibility to offer mortgages at 4.5 times income or above.

But this doesn’t mean everyone can suddenly borrow more.

You still need to pass affordability checks.

The opportunity is that some lenders may now be able to help more borrowers.

Follow to see how their criteria develop.

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

27/10/2026

The 2 Year vs 5 Year Fix Mistake

One of the biggest mortgage decisions homeowners make is whether to...

27/10/2026

BUY YOUR FIRST HOME WITH JUST A 2.5% DEPOSIT?

The government has announced plans for a new first time buyer scheme.

Just a 2.5% deposit, supported by a government equity loan.

But here’s what you need to know.

It’s aimed at eligible new build properties, and we’re still waiting for the full rules.

Those details are expected in tomorrow’s budget.

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

26/10/2026

MORTGAGE RATES AT 6%. WHO’S GETTING 4.9%?

Average 5 year fixed mortgage rates are now around 6%.

But there are still deals advertised below 5%.
Here’s the catch.

Some require 40% equity, and come with product fees.

So don’t just compare headline rates.

Understand what you actually qualify for and the total cost.

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