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02/06/2026

Let’s Talk “Mortgage Age’s..” 🏡

Did you know?

The average age of a first-time home buyer in the UK is around 33, though different sources provide slightly different figures, with some stating it is between 32 and 34.

This age has been gradually increasing over time, with recent data from Halifax indicating it was 33 in 2024, up from 31 in 2014.

Of course it is regional also for example London the average age is 34..

When it comes to ages around Mortgage you have a few things to unpack…

1. “What’s the max age in which you can take out a mortgage?”

Some lenders will allow you to take out a mortgage after the age of 70 believe it or not 👀

2. “What age can you have a mortgage till?”

Most mainstream lenders for a residential mortgage will say 70-75 BUT you can get lenders that will be happy to offer you a mortgage beyond that and indefinitely IF you can show you’ll still be able to pay the mortgage. Retirement income, investment income and or insurance to cover it.

3. “What is the longest time you can have a mortgage for?”

Currently it’s for 40 years in the UK.. this could change in the future. The US are exploring at 50 year mortgage.

So yes lenders can offer you a mortgage until 75 BUT if you’re looking to get a mortgage at 30.. the max you can have it till will be 70 years old. As the longest mortgage term is 40 years.

I hope this helps…

01/06/2026

Let’s talk “Researching the area before you buy..” 🏡

Very important, I’ve spoke with and seen it first hand in which people have moved into a property and then wanted to move straight away.

This is due to many reasons but the mains are:
- Being to far away from people they know
- Not being close to shops and facilities
- Not realising its hard to get to places such as the traffic is really really bad..
- Having nightmares neighbours

Research the area and location and things that will be practical. You aren’t just buying a house you are buying a location.

Another massive one is: is the area or the property a flood risk. Some lenders will not provide you with a mortgage if the area is prone to flooding 👀

So if you want to purchase in a flooding area/zone it might be worth speaking to a broker who has access to a specialist lender 👀 (like me)

Do research on finding out about the area and location you are moving into.. it will really help 🙌

Follow for more

28/05/2026

More Rate Reductions- 28/05/26 📉
- Barclays 📉
- NatWest 📉
- Coventry 📉
- Leek 📉
- Skipton 📉
- TSB Buy To Let’s 📉

And many more.. some more movement in the Mortgage World

12/05/2026

Brand New Mortgage Product… live 18th May

This is with Lloyds and Halifax.

5k deposit

Max LTI of 4.49x income

Only one person on a Joint Application needs to be a first time buyer to qualify.

Has to be a 5 year fixed rate
(Looking to be 5.89%)

This is Halifax attempt at helping the deposit situation at the moment

Make sure you get in touch if you want more information..

I am a free Mortgage Broker

12/05/2026

Let’s Talk “When should we start buying the furniture?.” 🏡

Now if you live in Scotland then it’s as soon as you have your offer accepted. BUT if you are in England, it won’t be that quick.

I would advise getting excited and looking at buying new items specifically for that house only once you’ve exchanged.

It’s gonna sound really boring BUT exchanging is the back end of the process and when deposits are transferred over, just means no one ever really pulls out after a property has exchanged BUT if you’re buying the furniture on finance wait until you’ve completed or your mortgage money has been requested by the solicitors.

The reason for this is lenders will sometimes do one more credit check before they release the funds. If you take out more credit or finance your mortgage offer was based on previous payment and finance history… so the Lender could retract the mortgage offer 👀

In most cases wait until you’ve Exchanged…

The UK has a terrible homebuying/ selling system, you can pull out of a transaction at any point 👀 just means you and the other party could spend 1000’s and still be at the same point you were before, which is looking for a new property.

Get excited once the property has exchanged, one Woman we were selling a property for had her house fall through on 4 occasions 👀 each time she had to pay solicitors fees etc etc…

Exchange day - Then IKEA and the Range 🙌😂

If you need any advice getting a mortgage get in touch - I am a free of charge broker

11/05/2026

More Rate Reductions…. 11/05/26

- Nationwide 📉 bigger reductions
- Bank of Ireland 📉
- NatWest 📉
- Virgin Money 📉

Loads going on…

08/05/2026

Rate and Criteria Changes - 08/05/26

- HSBC reduce 📉
- Coventry reduce and increase 📉📈
- Santander increase and reduce 📉📈
- Leeds now offer 6x income for first time buyers, remortgages and homemovers… mental

07/05/2026

Let’s Talk “Reviewing your Life Insurance..” 🏡

When you die life goes on.. mortgages and bills still need to be paid. A lot of people who have insurance in place might not have reviewed it since. You might have changed jobs, got a bigger house, had kids or more kids etc etc..

Reviewing your cover just makes sense, it’s free to start with and you could get much better benefits for less money each month.. all depends on what broker or insurance specialist you have used. I’ve been able to help countless people get better benefits and benefits they weren’t aware of. Such as Global Treatment…

However I have come across a few people who’s policies are completely untouchable 🙌 in this case we tell you straight away. “This is the best thing since sliced bread keep doing your thing..”

If we can help you - the benefits
- Save money
- Get more benefits
- Get more cover

If we can’t help
- Nothing happens - keep doing what you’re doing

That simple.. we normally recommend a review every 2-3 years or as soon as your circumstances change such as

- Moving home
- New job
- Baby
Large changes in your life, get yourself a free review..

What do you have to lose?

I can help this is my specialty 🙌
Drop me a message

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30/04/2026

More Lenders Reducing Rates 📉
30/04/26

- TSB 📉
- NatWest Existing Customers 📉
- West Brom 📉
- Nottingham 📈
- CO-OP withdraw and add new products

A mental time as always

29/04/2026

HSBC join in.. reduce rates 29/04/26 📉

- HSBC 📉
- Barclays Premier Clients 📉

Make sure you follow for more updates

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