Avenue Mortgage Solutions Ltd

03/02/2026

New 98% LTV First Time Buyer Product

• 5.19% 5 year fixed rate
• Up to 98% LTV
• £0 product fee
• Free standard valuation and £250 cashback to help with upfront costs
• FTB only, including joint mortgages.
• Maximum 98% LTV.
• Minimum deposit £10,000.
• Maximum loan £500,000.
• Maximum term 40 years.
• Repayment only.
• 5 year fixed rate. ERCs apply.
• Gifted deposits accepted.
• No flats, new build or properties in Northern Ireland.

No shared ownership or self employed applicants.

Contact [email protected] 07903 945685

03/12/2025

FIRST TIME BUYERS

Some new lending criteria that may help your with your first purchase:-

First Time Buyer Minimum Income
We’ve removed the minimum income requirement for first-time buyers on higher loan-to-income lending above 4.49x, up to 5.5x income.
• Maximum 95% LTV
• Available for new build properties including flats
• Includes Boost LTI
• Not applicable to pipeline cases
• Excludes: JBSP lending and £5k Deposit Mortgage
• At least one applicant must be a first-time buyer (defined as never having owned a property in the past) and have no background properties
• All other existing lending & affordability criteria must be met

Joint Borrower Sole Proprietor
Up to 95% LTV now available on new build houses. And non-owner borrowers are now able to have their full loan term extend into retirement.
• Available for house purchase only
• Maximum 95% LTV and 90% LTV new build flats
• Excludes Interest Only, Concessionary Purchase, Cascade Score, Boost LTI
• All other lending criteria must be met

If you would like to discuss how much you can borrow for your first purchase, please contact [email protected] 07903 945685.

16/10/2025

09/09/2025

Lenders have raised rates on some deals amid a ‘fraught political and economic climate’, with more expected to follow

09/09/2025

Experts at HSBC said price rises were proving 'more acute than in other Western economies' and rate-setters were showing signs of a 'hawkish' shift.

04/09/2025

A great review received via google today:-
I had an outstanding experience working with Andrew Everything was handled via email, which made the process incredibly convenient for me. They were exceptionally quick to respond to every query and consistently kept me informed throughout each stage.
What impressed me most was their dedication to securing the best possible mortgage rate. They went above and beyond to ensure I got a deal that suited my needs perfectly. The entire process was smooth, stress-free, and handled with professionalism and care.

If you have any mortgage queries, we will be pleased to help. Contact [email protected] or [email protected]

23/07/2025

5 Mortgage Myths That Might Be Holding You Back

Don’t Let Mortgage Myths Delay Your Property Plans. If you’re thinking about buying your first home, or even remortgaging, you’ve probably heard a few things that made you pause. We help clients in London and beyond overcome mortgage confusion with expert, honest advice.

Mortgage Myths
“You need a 20% deposit to buy a home.”
False. While a 20% deposit may get you better rates, many lenders now offer mortgages with just a 5% or 10% deposit, especially for first-time buyers.

You could also benefit from schemes like the First Homes Scheme or use a Lifetime ISA to boost your deposit savings.

“You can’t get a mortgage if you’re self-employed.”
Many self-employed buyers wrongly believe they can’t get a mortgage. You can! You just need to show the right evidence. Most lenders ask for:

1–2 years of accounts
SA302s or tax year overviews
Stable or growing income

“Bad credit means no mortgage.”
This one’s tricky, but not impossible. Some specialist lenders cater to people with:

Missed payments
Old defaults
Low credit scores
Depending on the severity and timing of your credit issues, we may be able to find you a lender who says yes when others won’t.

“Mortgage rates are too high. I should wait.”
Rates have risen since historic lows, but that doesn’t automatically mean you should wait. Here’s why:

Rents are still climbing in London and the UK
House prices are stabilising
Today’s rates offer long-term certainty
Even in the current market, buying may cost you less than renting long-term.

“All mortgage advice is basically the same.”
This is a dangerous myth. Online calculators and bank branches can’t match the tailored advice of an independent mortgage broker

We have access to hundreds of mortgage products, including exclusive deals, and work to get the best one for you, not the bank.

Contact [email protected] or [email protected]

06/06/2025

Interesting article. Most important is to use an advser/broker to compare all deals available to you.

I thought the process would be easy, but I'm being asked for all kinds of documents and to fill out lengthy forms. I've just had a baby and this is hard to manage.

13/05/2025

Santander and other lenders have reduced their rates today. If you have booked a rate in the last few months you can review, cancel and re book.

If you need any assistance, please contact [email protected] or [email protected]

15/04/2025

What’s new?
1 high street lender is making changes to their mortgage affordability calculations meaning many customers will be able to borrow more.

Typical customers may see an increase of around 13% in the maximum loan available.

With many changes to lenders criteria and products, use a mortgage broker.

If you or your friends/family need Independent Mortgage Advise, please contact [email protected] or [email protected]