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18/06/2026

More Rate Reductions… 18/06/26 📉

- Barclays 📉
- Atom 📉
- Leek 📉

Hopefully we see some more lenders reduce in the next few days and weeks..

15/06/2026

Nationwide Reduce Rates 16/6/26 📉

Expect more lenders to follow after the agreement with Iran and USA

12/06/2026

Massive News… Rate Reductions & War could be over? 12/06/26 📉

NatWest 📉
Coventry 📉

And IF the war is done. Expect more lenders to reduce rates.

This is massive news..

Make sure you follow for more

10/06/2026

Let’s Talk “Stamp Duty..” 🏡

This has stung a few people that have come to me late in the process recently.

So as a first time buyer the first ÂŁ300,000 is free of Stamp Duty

As soon as you have purchased a property before you are no longer eligible for Stamp Duty relief.

What you’ll typically find is once people have purchased their first home the next home they look at is normally a bigger home as most people are looking to future proof (getting ready for kids etc) or just earn more money and want something bigger.

So say you purchased your first home at ÂŁ300,000
= no stamp duty

You look to purchase a new bigger property at say ÂŁ450,000

Stamp duty = ÂŁ12,500

£12,500 just to move and just in tax 👀

Let’s say you want to purchase a home that is worth the same amount £300,000

Stamp duty = ÂŁ5000

So when you’re moving home, it’s even more important to speak to a Mortgage Broker (like me 👋 I am free) to understand all costs involved in moving and IF it’s even viable.

You might find your dream home but Stamp Duty might make it unviable 👀

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09/06/2026

Let’s Talk “Mortgage Overpayments..“ 🏡

Don’t go into it Blind..

Firstly you’ll need to see if your lender will allow you to make overpayments… believe it or not some lenders WON’T allow you to overpay the mortgage.

Overpaying isn’t for everyone and it all depends on your financial situation…

A very good tip to follow when thinking…
“Do I overpay or do I save instead?..”

The simple rule of thumb is:

If your mortgage rate is around the same, or higher than your savings rate, then it makes sense to overpay...

That’s because when it comes to savings, the reverse isn’t automatically true. A higher savings rate could beat overpaying your mortgage, but it won’t always.

It will depend on a number of factors, including whether you are planning a one-off overpayment or if you want to make regular overpayments (say monthly) over the longer term, how much your mortgage debt is, how many years you have left to repay your mortgage and whether you pay tax on savings interest.

Overpaying can be a great way to pay off your mortgage sooner.

A mortgage paid off sooner means more monthly cash flow for you and your family.

Before you make that decision you will need to weigh up if that money could be spent in a more efficient way…

Such as investing into savings… will that produce you more in the long run than paying off your mortgage quicker..

Putting the money into your business could that make you more than what overpaying on your mortgage would do?

or helping you get a qualification that will make you more money in the long run…

If you need any help or advice with overpayments… please feel free to get in touch 😊 I am a free broker

09/06/2026

HSBC & Nationwide reduce rates..
09/06/26

Set to be live on the 10th June..

This is some more good news.. a few more rate reductions

Follow for more

06/06/2026

Let’s Talk “Changing jobs when you’re in the property..” 🏡

I’ll do a talking video on this as well, as it could help with your decision making between a 2/3 or 5 year fixed.

So when you’re in the fixed rate period you’ll be fine.

You’ll be able to job hop or career change as much as you like.

You’ll just have to be careful in your timings before your fixed rate comes to an end. (remortgage time)

Example -

Let’s say you took out a 2 year fixed mortgage in 2026.. Your fixed rate ends in Feb 2028. This means you will need to apply for a new fixed rate.

If moving jobs..(Employed)

You get a new job opportunity in January 2028.. A lot of lenders will want to see 2/3 payslips before they accept you for a mortgage. (Of course some are happy to provide you with a mortgage with just one payslip or even a contract BUT you’ll have a much smaller pool of lenders to access.. which could mean higher rates)

If changing to Sole Trader/LTD Company..

Most lenders will want to see you have 2 years accounts and or self assessments.. (again some can do 1 years but the same principles apply.. smaller pool of lenders = potential higher rates)

So if you have aspirations to become a sole trader or set up a LTD company maybe selecting a 5 year product will make more sense.. as this will give you time to get at least 2 years self assessments and accounts under your belt with no panic 😊

I hope this helps..

If you need help or advice please get in touch I am a free of charge mortgage broker 😊

05/06/2026

NatWest and Halifax reduce rates.. 5/6/26 📉

They will be live on Monday 8th June.

A few more lenders this week also decreased rates.

- HSBC 📉
- Accord 📉
- Leek 📉
- West Brom 📉

And others…

Make sure you like and follow for more

05/06/2026

Let’s Talk “Gifted Deposits..” 🏡

A gifted deposit must be a gift. It cannot be a loan and there must be no agreement to pay back the money.

In fact, you’ll need to state in writing that you won’t have to pay this money back in the future.

UK tax law means people can’t just give you money.

Family members can gift as much or as little as they would like.

Be aware of a potential inheritance tax. If the person passes away within seven years who gifted you the money, you will have to pay inheritance tax on the amount given to you.

Parents can also take out equity from their property and then gift it to you as a deposit.

Period % of first-time buyers needing gifted help

2022–23
37%

2023–24
33–34%

2024–25 (latest)
30–31%

BUT I’d like to add most people I speak to regarding purchasing their first home have some aid from the Bank of Mum and Dad. Maybe 60/70% in my experience.

The Homebuyers Helper Guide is a FREE guide that will explain every part of the Homebuying Process and also includes a journey tracker that you can tick off as you go along 🙌 link in the bio

Follow for more

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…

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