Cozens & Dean - Mortgage Force

28/09/2026

New 2.5% Deposit Scheme Announced for First-Time Buyers...

The Government has announced plans for a new scheme aimed at helping first-time buyers purchase a home with a deposit of just 2.5%.

The proposed Your First Home scheme is expected to include a government-backed equity loan and follows the previous Help to Buy scheme, which was used by more than 328,000 first-time buyers.

It sounds like positive news for those struggling to save a larger deposit, but for now, it remains a pledge. Further details, including eligibility, costs and importantly when the scheme will actually begin, are still to be confirmed.

So, why wait?

If your deposit is the thing holding you back, it may be worth finding out what's possible now as there are already mortgage options available that could allow eligible first-time buyers to purchase with a very small deposit, or even no deposit at all.

These options won't suit everyone and lending criteria apply, but speaking to a mortgage adviser could help you understand whether buying your first home is closer than you think.

Thinking about taking your first step onto the property ladder?
Visit our First-Time Buyer section to find out more and speak to one of our advisers.

https://www.mortgageforce.co.uk/mortgages/first-time-buyer-mortgages/

05/09/2026

MORTGAGE MYTH: You only need to think about your mortgage when your deal ends.

Actually, keeping an eye on the market before your current deal expires can really matter.

Over the weekend, renewed conflict in the Gulf has caused a sharp reaction in financial markets meaning we could see lenders reviewing and repricing their mortgage deals quickly, sometimes with very little notice.

So what does this mean for you?

If your current mortgage deal is due to end within the next few months, it could be worth speaking to a mortgage adviser sooner rather than later. You don’t necessarily have to wait until your deal is about to expire to start looking at your options.

And if you’re currently buying a home or already considering a remortgage, it’s worth being aware that mortgage rates can move quickly when markets are unsettled.

No panic. No crystal ball. just good advice and forward planning!

March:
☎️ 01354 659425
📧 [email protected]

Ely:
☎️ 01353 521659
📧 [email protected]

King’s Lynn:
☎️ 01553 401534
📧 [email protected]

💻 www.mortgageforce-cambs.co.uk for more details

30/07/2026

Round peg? Square hole?

Not every mortgage applicant fits neatly into a box.

Whether you're self-employed, have multiple income streams, own investment properties or need specialist lending, your circumstances may not suit every lender.

If this sounds like you, get in touch to see how we can help.

March:
☎️ 01354 659425
📧 [email protected]
Ely:
☎️ 01353 521659
📧 [email protected]
King’s Lynn:
☎️ 01553 401534
📧 [email protected]
💻 www.mortgageforce-cambs.co.uk for more details

15/07/2026

We'll be watching... and hoping it's one step closer to bringing it home.

28/06/2026

The mortgage market is becoming more competitive again, with many lenders reducing their rates in recent weeks as they look to attract new business.

While we’re not quite back to the rates we saw before the market volatility earlier this year, the gap has narrowed significantly. Fixed-rate deals are now looking much more competitive against tracker mortgages than they did just a few weeks ago.

The market is moving quickly, though. Lender rates, criteria and availability can change fast, meaning the right opportunity today may not be there tomorrow.

Whether you’re buying your first home, moving, remortgaging or simply reviewing your current mortgage, now could be a great time to explore your options.

If your current deal is coming to an end or you’d like to see what’s available, get in touch with the Mortgage Force team today. Expert advice could make all the difference.

March:
☎️ 01354 659425
📧 [email protected]

Ely:
☎️ 01353 521659
📧 [email protected]

King’s Lynn:
☎️ 01553 401534
📧 [email protected]

💻 www.mortgageforce-cambs.co.uk for more details

07/06/2026

The biggest hurdle for most first-time buyers isn’t always affordability, it’s knowing where to start.

That’s where we come in...

Thinking about buying your first home? Get in touch for a friendly chat.

March:
☎️ 01354 659425
📧 [email protected]

Ely:
☎️ 01353 521659
📧 [email protected]

King’s Lynn:
☎️ 01553 401534
📧 [email protected]

💻 www.mortgageforce-cambs.co.uk for more details

17/05/2026

Being self-employed doesn’t mean limited mortgage options.

It just means you need the right approach.

Different lenders assess income in different ways, and choosing the right one can significantly impact how much you can borrow.

Get in touch to see how we can help...

March:
☎️ 01354 659425
📧 [email protected]

Ely:
☎️ 01353 521659
📧 [email protected]

King’s Lynn:
☎️ 01553 401534
📧 [email protected]

💻 www.mortgageforce-cambs.co.uk for more details

01/05/2026

01/05/2026

This Bank Holiday, you might be hearing mixed messages about mortgage rates…

That’s because markets and economists are seeing things differently.

Markets react quickly to short-term risks (inflation, energy prices, global tensions).
Economists take a longer-term view focused on stability and growth.

The result? Confusion.

The reality usually sits somewhere in between...so don’t let headlines push you into rushed decisions.

Smart Advice, Tailored For You.

March:
☎️ 01354 659425
📧 [email protected]

Ely:
☎️ 01353 521659
📧 [email protected]

King’s Lynn:
☎️ 01553 401534
📧 [email protected]

💻 www.mortgageforce-cambs.co.uk for more details

13/03/2026

Nene potatoes (a cooperative)have been generous enough to offer us a large amount of potatoes, we just wanted to say thank you for the generous donation!

We always wanted to thank some more local businesses, fen spirits, sun lounger travel, DIAMOND-BY S LTDD, cozens and deans aswell as Tesco's and the people of Wisbech for helping us operate 6 nights a week!