Forever Home Mortgages

29/10/2026

2.5% deposit. 20% government loan. Your first home just got a lot closer 🏡🔑

The Budget has confirmed the details of Your First Home, the new scheme replacing Help to Buy, and it’s big news for first-time buyers here in the East Midlands.

Here’s the short version:
✅ Deposits from just 2.5%
✅ Up to 20% equity loan, interest-free for 5 years
✅ Household income up to £110k
✅ New-build homes in England only

Pre-registration opens in December, applications open in February, and the first loans go out from April 2027. Those who plan early get ahead 👀

Local price caps for our area are still to be confirmed. Follow us so you don’t miss them, as we’ll be sharing them as soon as they’re out 📍

Swipe through for the full breakdown ➡️ and drop us a message or comment “FIRST HOME” if you’d like to find out whether you could qualify 💬

Forever Home Mortgages may charge a broker fee of £245–£695. Your home may be repossessed if you do not keep up repayments on your mortgage.

16/10/2026

15/10/2026

This is so much closer to the truth than you’d think 😂

But this is genuinely how much we care about every customer, even if the case is straightforward, because we know a mortgage offer is one of the major steps towards getting the keys 🔑

13/10/2026

Is your fixed rate ending before Christmas? 🏡

October and December are the biggest months this year for mortgage deals coming to an end. If yours is one of them, you don’t have to wait for your lender’s letter.

You can usually secure your next deal up to six months before your current one ends. If rates drop before you complete, we can often switch you to the cheaper option.

Comment REMORTGAGE and I’ll send you our free remortgage guide 👇



Your home may be repossessed if you do not keep up with repayments.

Forever Home Mortgages charges a broker fee of between £245-£695 depending on your circumstances.

10/10/2026

Been told you need three years’ accounts for a mortgage? Not always.

Some lenders will look at two years. Some will consider one, depending on your circumstances. Your high street bank just might not be one of them.

That’s not a no. That’s the wrong lender.

Comment SELF-EMPLOYED and I’ll send you our free self-employed guide 👇



Your home may be repossessed if you do not keep up repayments on your mortgage. Forever Home Mortgages charges a broker fee of £245-£695 on application.

08/10/2026

“I didn’t think I’d be able to get a mortgage.”

That was the starting point for this first-time buyer.

He’s a self-employed electrician, paid through the CIS scheme, and believed getting a mortgage would be difficult because he didn’t have three years of tax returns.

But that didn’t necessarily mean he couldn’t get a mortgage.

We found a high street lender that was able to assess his CIS income in a way that treated him as employed rather than using the traditional self-employed assessment.

The result?

🏠 A mortgage secured with just a 5% deposit.

This is why the way your income is structured matters when applying for a mortgage.

If you’re a CIS worker, electrician, builder, contractor or other tradesperson, you may have more mortgage options than you think, even if you don’t have three years of tax returns.

The key is knowing which lenders understand how your income actually works.

Being paid through CIS doesn’t automatically mean you can’t get a mortgage.

And having less than three years of accounts or tax returns doesn’t automatically mean you need to wait.

Every lender has different criteria, so getting the right advice before you apply can make a huge difference.

If you’re self-employed or paid through CIS and thinking about buying your first home, speak to us before assuming you won’t qualify.

ElectricianMortgage TradesmanMortgage ContractorMortgage SelfEmployed MortgageAdvice UKMortgage 5PercentDeposit MortgageBroker ForeverHomeMortgages

07/10/2026

The base rate didn’t move. So why did your mortgage quote go up?

Fixed rates are priced from swap rates: what the markets think rates will do in future, not what they are today. So your quote can change even when the Bank of England holds.

Comment RATES with your question and I’ll answer it 👇



Your home may be repossessed if you do not keep up repayments on your mortgage. Forever Home Mortgages charges a broker fee of £245-£695 on application.

27/09/2026

🏡 **You could soon buy Your First Home with just a 2.5% deposit**

The government has announced its new Your First Home scheme, which is designed to help more first-time buyers onto the property ladder.

The proposed scheme is expected to offer:

🏡 A 2.5% deposit
📈 A 20% government-backed equity loan
💷 An initial interest-free period on the equity loan
🔑 Access to eligible new-build homes from participating developers

It is understood there will also be household income limits and local property price caps, with further details expected at the next Budget.

**Important:** the scheme has been announced, but the full eligibility criteria, costs and launch date are yet to be confirmed.

If you’re hoping to buy your first home, now is a good time to understand your mortgage options and start planning your deposit.

📩 Get in touch with Forever Home Mortgages to discuss your first-home plans.

01/09/2026

🏡 “I’m on top of the world!”

That’s exactly how owning your first home should feel.

And here’s some good news...

Coventry has updated its criteria and eligible first-time buyers may now be able to borrow up to 6.5x their income, with mortgages available up to 95% loan-to-value.

If you’ve previously been told you can’t borrow enough, it might be time for another conversation.

📩 DM “LADDER” and we’ll see what options could be available to you.



⚠️ Eligibility criteria, status and affordability checks apply. Your home may be repossessed if you do not keep up repayments on your mortgage. Forever Home Mortgages charges a broker fee between £295-695.