MTGE UK

MTGE UK Welcome! Here at MTGE UK we pride ourselves on being truly unique! We are here because we care!

“MTGE UK is a trading name of MTGE Partnership LLP who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Ltd is authorised and regulated by the Financial Conduct Authority”

“YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE”

We will be paid a procuration fee from the lender. For our advice services

we do not charge a fee, apart from certain circumstances such as extremely complex cases or
where considerable time is spent sourcing and providing recommendations. Where a fee payment has been agreed by all parties, this could equal 2% of the loan amount ,however this will not
exceed £5000. Any such fee will be agreed at outset and an invoice issued prior to any application, advice or recommendation. Most Buy-to-let Mortgages are not regulated by the Financial Conduct Authority.

10/06/2026

New Mortgage Rules: Easier Access For First-Time Buyers

Big changes proposed to mortgage rules could unlock homeownership for many first-time buyers.
The FCA wants lenders to use more flexible checks, helping those with varied incomes or smaller deposits.

New limits on interest-only deals mean more can get on the ladder while staying protected.

Self-employed workers and older buyers will also get better access under the planned reforms.
Rules will adapt to modern working patterns, making lending fairer and more inclusive.
Industry experts say the updates are long overdue and reflect how people earn today.

Consultation is now open, with changes set to make buying your first home much simpler.
Brokers advise checking new options early to see how the reforms could work for you.
This could be the breakthrough many have been waiting for to finally buy their place.

New Mortgage Rules: Easier Access For First-Time Buyers 🏡
Great news for anyone dreaming of owning their first home! Big changes have been proposed to mortgage rules that could make homeownership a reality for so many more people.
The FCA is proposing that lenders use more flexible checks — perfect if you have a varied income or a smaller deposit. There will also be clearer limits on interest-only deals, so you can get on the property ladder while staying financially protected.

This update is designed to help even more people:✅ Self-employed workers✅ Older buyers✅ Those with modern or non-traditional working patterns

Industry experts say these changes are long overdue and finally reflect how people earn and work today. The goal? Fairer, more inclusive lending for everyone.

A consultation is now open, and once finalised, these reforms will make buying your first home much simpler. Brokers recommend looking into what this could mean for you sooner rather than later — this could be the breakthrough you’ve been waiting for!

👇 Would these changes make it easier for you to buy? Let us know in the comments!

03/06/2026

🇬🇧 The UK prides itself on being a nation of homeowners...

So why does it take an average of 120 days to buy a home here, making us one of the slowest property markets in Europe?

While other countries have streamlined the process, British buyers and sellers remain trapped in delays, uncertainty, rising costs, and unnecessary stress.

Surely in 2026, we can do better than this?

What's your biggest frustration with buying or selling a home in the UK?

27/05/2026

Britain’s housing market is collapsing under pressure — and so are the people trapped inside it.
More than half of UK house sales now fall through after offers are accepted, costing families time, money, and emotional wellbeing, while nearly £2 billion is lost across the economy every year. Hidden information, delays, and a broken system are leaving buyers and sellers exhausted before they even get the keys.
How many more people must suffer before the housing market is finally forced to change?

20/05/2026

Britain’s rent crisis is no longer a warning. It’s becoming an emergency.

The New Economics Foundation has revealed that the UK’s lowest-income renters are now spending almost HALF their income on rent alone — 48.5%.

Despite stronger tenant protections through the Renters’ Rights Act, experts warn it still won’t solve the deeper issue: unaffordable housing.

The NEF is now calling for an emergency brake on rent rises and the introduction of “fair rent” systems before more households are pushed beyond breaking point.

At what point does survival become impossible for ordinary working people?

13/05/2026

£5,000 to buy your first home?�
That’s exactly what’s launching from May 18th 2026 through Lloyds Bank, Halifax and Bank of Scotland — giving first-time buyers a potential new route onto the property ladder.

Homes up to £300,000.�Borrowing up to £295,000.�5-year fixed at 5.8%.�No product fee.�Up to 40-year term.

At a time when saving a deposit feels impossible for many, this could become one of the biggest shifts the first-time buyer market has seen in years.

Would you buy a home if you only needed a £5,000 deposit?

07/05/2026

Global uncertainty is rising… and the housing market is feeling it.
With wars and economic pressures shaping the global landscape, property prices are expected to shift — and supply remains a key piece of the puzzle. In 2025, around 224,300 new homes were delivered across the UK, up from 202,000 in 2024 — showing steady progress.
But we are still below the government’s 300,000 homes per year target, meaning demand continues to outweigh supply in many areas.
So as uncertainty grows, the real question is — will supply catch up fast enough to stabilise prices, or are further changes ahead?

29/04/2026

The housing market may not be getting the expected interest rate cut — but that does not mean opportunity has disappeared. In fact, a steady-rate environment can create the certainty buyers and sellers need to make confident, long-term decisions.

Stability often brings balance, clearer affordability, and stronger preparation — all of which can lay the foundation for renewed market momentum. For first-time buyers, families, and investors, this could be the moment to plan ahead rather than wait on headlines.

Could holding steady be exactly what unlocks the next wave of opportunity in property?

22/04/2026

Mortgage Cheaper Than Rent? Here’s the Real Cost

As of April 2026, mortgage repayments can look cheaper than renting — around £1,350 on a £270,000 home (10% deposit at ~4.5%) vs £1,367 average rent nationally. That’s roughly 20% cheaper on monthly payments for many first-time buyers.

But regionally it shifts:�In the North East, buying can be up to 24% cheaper than rent. In Scotland, similar savings apply. In London, mortgages are only around 6% cheaper, but require £80,000+ deposits, making ownership difficult. In the South East, rent and mortgage costs are often almost identical.
Then come the hidden costs: £225/month maintenance, £30–£50 insurance, £150–£300 service charges, plus £5,000–£10,000 upfront fees.

Buying builds equity and wins long-term if you stay 5+ years — but short term, renting often remains cheaper and more flexible.

Lower monthly payments don’t always mean lower cost.

15/04/2026

South East Property Forecast: Steady Growth Ahead

The South East housing market is forecast to grow steadily over the next decade, with projected cumulative growth of 3.5%–4.5% per year.�While historic growth averaged around 7.5%, today’s market reflects a more sustainable and stable long-term trajectory.

The key driver remains simple — demand continues to outstrip supply, with one of the UK’s largest housing shortages and continued London overflow into commuter regions.

Looking ahead, analysts suggest a potential shift around 2028–2029, where London and the South East may once again lead growth as affordability gaps evolve.

Are you positioned for what comes next?

08/04/2026

UK Property Market Shift: From 2025 Reality to Future Growth
In 2025, the housing market saw modest growth of just 1.0%–2.5%, as high interest rates continued to impact affordability and keep buyers cautious.

Looking ahead, the outlook is more positive. Between 2026 and 2028, growth is expected to accelerate to 3.5%–5.0% annually as mortgage rates stabilise and real wages begin to rise.

Beyond 2029, the market is predicted to settle into a more sustainable pattern, with growth aligning to inflation and earnings at around 3%–4%.

What does this mean for your next move in the property market?

Address

4 Digswell Cottages
Welwyn Garden City
AL87NN

Opening Hours

Monday 8am - 9pm
Tuesday 8am - 9pm
Wednesday 8am - 7pm
Thursday 8am - 7pm
Friday 8am - 7pm

Telephone

+442036407600

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