Youngstone Financial Services Limited

Youngstone Financial Services Limited A friendly, family run business offering professional and tailored advice. Your home may be repossessed if you do not keep up repayments on your mortgage.

A fee of £149 is payable on application of the mortgage and £250 on issue of the mortgage offer. There may be a further fee payable on mortgage offer of up to £250. The overall amount of the fee is dependent on the amount of research and administration that is required. Youngstone Financial Services Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd

. First Complete Ltd is authorised and regulated by the Financial Conduct Authority. Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority. As a genuine family run business we don't just see you as a number or a letter we see you as an important individual or family. We strive to create a long term relationship offering bespoke, tailored and holistic advice from our family to yours.

31/08/2026

Is your current mortgage deal coming to an end in 2026?

NOW is the time to start reviewing your options and ensuring you have locked in a product that meets your requirements.

If rates fall, we can arrange to move products.

If rates rise, you locked in an option in enough time.

The earlier you take action, the more options will likely be available to you.

27/08/2026

Planning to buy your first house or move properties in 2027? You need to get on the Electoral Roll!

Whether you're in a rental property, or living with friends or family, you need to be registered at your current address.

When you register, the details are updated on your credit report. This helps lenders confirm you are who you say you are, and often improves your credit score as a result. 📈

If lenders can't confirm your details via the Electoral Roll, they will need to ask for other forms of identity and proof of address. This can delay your application so registering ahead of time can save you a delay in the future.

24/08/2026

How does affordability work with the Shared Ownership scheme?

Lots of people consider Shared Ownership as a more affordable way to get on the property ladder, but how is the scheme assessed for affordability?

With shared ownership you pay a mortgage, rent, ground rent and a service charge monthly, so the affordability assessment has to cover all of these things. Crucially, you actually need to pass TWO assessments - one with the mortgage lender and one with the housing association.

For the housing association, they will look at your fixed expenses we mentioned above in addition to any other commitments you have and compare these to the amount of income you receive. This calculation allows them to work out what percentage of your income will be required for all of your expenses, and whether they they believe you are financially capable of maintaining the payments.

At Youngstone we have access to the calculator used, and can provide you an idea of whether shared ownership could be an option for you moving forward if you are curious about your affordability. 🏡

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS.

20/08/2026

What actually IS Loan-to-value, or LTV?

LTV is a key metric lenders will use in order to assess the risk of a mortgage. It's the ratio of the loan amount to the value of the property, expressed as a percentage.

For example, an £180,000 loan on a £200,000 property has a 90% LTV (because you'd be putting down £20,000 deposit which is 10%).

LTV works in 5% increments, so putting down a 13% deposit in the above scenario would still make you eligible for 90% products even though you're only borrowing 87% of the property's value. You would reach the next LTV bracket once your deposit or equity was equal to 15% therefore borrowing 85% of the property's value.

A lower LTV generally means less risk for the lender, often resulting in better interest rates. A higher LTV may mean higher interest rates or undergoing a harsher assessment of your credit profile.

There are sometimes limits on the type of property you can purchase at higher Loan to Value brackets with certain lenders, so it's important to get advice before making an offer on a property.

17/08/2026

Saving for a deposit...
..Now we've discussed the minimum and ideal deposit amounts, as well as looking at other things that can affect the deposit needed, how can you actually get one together? Saving a deposit can take time and dedication, here are some things to consider:

⭐️ Create a budget. It sounds simple but by tracking your income and expenses you can identify overlooked areas where you can cut back and save.

⭐️ Set a savings goal. Having a clear target can keep you motivated as you see the pot building up.

⭐️Automate your savings. Set up regular transfers to your savings account, or "pay yourself first" and transfer that money as soon as you get paid for an 'out of sight, out of mind' approach to saving, especially if you're someone that finds disposable income can burn a hole in their pocket!

⭐️ Consider a Lifetime ISA. If you're planning on buying your first home in more than 12 months, you could get a lifetime ISA set up to benefit from the government bonus on your savings. Terms and conditions apply to these accounts, so make sure you know the ins and outs before opening one.

⭐️ See if you can get help by exploring government schemes and consider asking family members for help with a gifted deposit if that is possible.

13/08/2026

What other factors can affect the deposit size needed?

⭐️ Different mortgage types have different deposit requirements. For example, buy-to-let mortgages often require larger deposits such as 20% or 25%

⭐️ Each lender has its own criteria for assessing borrowers, including deposit size.

⭐️ Some lenders may require larger deposits for certain types of properties, such as new builds or leasehold properties like flats.

⭐️ There are various government schemes available to help first-time buyers with smaller deposits, such as Shared Ownership or Help to Buy. These can significantly reduce the amount you need to save upfront if you want to get on the property ladder sooner rather than later.

10/08/2026

What is the ideal deposit amount?

As we shared last week, between 0% and 5% might be the minimum, but a larger deposit is generally more preferable. Moving away from a 95% mortgage (i.e., trying to hit a 10%, 15% or 20% deposit instead) has several advantages:

⭐️ Lenders often offer more competitive interest rates to borrowers with larger deposits, as they are assessed as presenting a lower risk. Having a lower rate can save you a significant amount of money over the life of your mortgage.

⭐️ A larger deposit can open up a wider range of mortgage products, giving you more choice and flexibility.

⭐️ A bigger deposit means you'll have more equity in your property right from the start. This reduces your risk of falling into negative equity (where your mortgage balance is higher than the value of your home) if house prices fall.

07/08/2026

What's the minimum deposit amount?

In most cases, the minimum deposit you'll need for a residential mortgage is 5% of the purchase price. So if you want to buy a property for £300,000, you'd need a £15,000 deposit.

However, there are some mortgages available with even lower deposit requirements - between 0% and 5%. These products come with stricter criteria and can carry higher interest rates, so it's particularly important to get advice on whether they might be right for you.

05/08/2026

Some sobering facts for you on this sunny Wednesday...
..Death can strike at any time

Guardian's youngest claimant in 2024 was just 27


...Without cover, families could battle to keep their homes

The average first time buyer's mortgage is £217,222


...Many people can't depend on their savings

39% of UK citizens have £1,000 or less in savings

..Government help is minimal

Statutory sick pay amounts to just £123.25 a week for 28 weeks



1. Guardian 2024 claims report. All claims with a decision made from 1 January to 31 December 2024.
2. Mortgage statistics – 2025, Money Super Market, April 2025.
3. Savings statistics: Average UK savings in 2025, finder.com, August 2025.
4. Statutory Sick Pay (SPP), gov.uk, August 2026.

03/08/2026

Do you need a mortgage offer quickly? Are you looking for peace of mind and clarity on your situation moving forward?

We understand the importance of considering realistic time frames, especially with clients needing a solution quickly. This can happen for a number of reasons such as being on your current lender's Standard Variable Rate (SVR) with a fluctuating monthly payment, or needing to move house within a strict time frame.

The sooner we can have a discussion with you, the more time we have to look at options, but we know how to package cases to make them as easy as possible to consider for underwriters. We also have access to some advisor-only lenders with great speed of service if you do find yourself short on time.

Don't panic if you think you've missed the boat, give us a call and let's get you sorted ASAP!

[email protected] or 01189 079299

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.

Address

12 Pleasant Hill
Tadley
RG264LS

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 1pm

Telephone

+441189079299

Website

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