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.

10/09/2026

2000 vs. 2026

Every figure verified by ONS, HM Land Registry, and Savills.

THEN — 2000•
Average house price: £81,600• Price-to-earnings: 4× nationally•
By age 30: ~35% owned a home• Deposit: £8,000–£12,000 (achievable on one salary)One income could buy. Homeownership was a milestone, not a privilege.

NOW — 2026•
Average house price: £272,000 — UP 233%• Price-to-earnings: 10× nationally (up to 17.5× in London)•
By age 30: Fewer than 20% own a home•
Rent: Consumes 45–52% of income• Deposit needed: £63,000+ (impossible to save alone)
Wages rose 70%. Prices rose 233%.
The gap has TRIPLED.

WHAT IS GENERATION H?
It’s a modern mortgage setup for today's reality. Instead of struggling alone, Gen H allows up to 6 family members or friends to pool financial power.
Using their Income Booster system, loved ones add their earnings to your application to scale up your borrowing potential.
Crucially, they are named on the mortgage but NOT on the deeds. You keep 100% sole ownership, protect first-time buyer Stamp Duty relief, and your boosters avoid second-home tax surcharges.• 2 incomes borrow: £340,000• 3 incomes borrow: £418,000 — £78k extra unlocked!

THE HOMES WE NEED TO BUILD
Pooling income is half the battle; we need the bricks to match.
We need standard homes built with two separate entrances and two kitchens under one roof:
• Young families live independently in one section.
• Parents/grandparents/family/friends live independently in the other.
• Two households, one building = halved energy, land, and service costs.

WHAT IS STOPPING US?
Lenders have the financial models. Families want flexibility. Builders have the blueprints.
Planning rules are the only barrier.
We are still regulating UK housing like it's the 1970s.

THE QUESTION:
If modern mortgages can bridge the gap, why is planning blocking the physical homes to match?

👇 Should two-kitchen, two-entrance homes be a planning standard?

Would you pool incomes across your family?

Let us know in the comments below

10/09/2026

2000 vs. 2026

Every figure verified by ONS, HM Land Registry, and Savills.

THEN — 2000•
Average house price: £81,600• Price-to-earnings: 4× nationally•
By age 30: ~35% owned a home• Deposit: £8,000–£12,000 (achievable on one salary)One income could buy. Homeownership was a milestone, not a privilege.

NOW — 2026•
Average house price: £272,000 — UP 233%• Price-to-earnings: 10× nationally (up to 17.5× in London)•
By age 30: Fewer than 20% own a home•
Rent: Consumes 45–52% of income• Deposit needed: £63,000+ (impossible to save alone)
Wages rose 70%. Prices rose 233%.
The gap has TRIPLED.

WHAT IS GENERATION H?
It’s a modern mortgage setup for today's reality. Instead of struggling alone, Gen H allows up to 6 family members or friends to pool financial power.
Using their Income Booster system, loved ones add their earnings to your application to scale up your borrowing potential.
Crucially, they are named on the mortgage but NOT on the deeds. You keep 100% sole ownership, protect first-time buyer Stamp Duty relief, and your boosters avoid second-home tax surcharges.• 2 incomes borrow: £340,000• 3 incomes borrow: £418,000 — £78k extra unlocked!

THE HOMES WE NEED TO BUILD
Pooling income is half the battle; we need the bricks to match.
We need standard homes built with two separate entrances and two kitchens under one roof:
• Young families live independently in one section.
•Parents/grandparents/family/friends live independently in the other.
• Two households, one building = halved energy, land, and service costs.

WHAT IS STOPPING US?
Lenders have the financial models. Families want flexibility. Builders have the blueprints.
Planning rules are the only barrier.
We are still regulating UK housing like it's the 1970s.

THE QUESTION:
If modern mortgages can bridge the gap, why is planning blocking the physical homes to match?

👇 Should two-kitchen, two-entrance homes be a planning standard?

Would you pool incomes across your family?

Let us know in the comments below

08/09/2026

1990s vs 2000s — THE GENERATIONAL DIVIDE

Every figure verified by ONS, HM Land Registry and Savills.

WHAT is happening:
Homeownership is becoming a privilege reserved for those with family wealth, not a milestone you reach through hard work. Two generations, born barely a decade apart, face completely different prospects.

WHERE this is happening:
Across the entire UK — and most severely in London, where price-to-earnings ratios now reach 17 times. No region is untouched.

WHY this matters:
Because prices have risen far faster than wages. One salary is no longer enough. Two salaries are falling short. The ladder has been pulled up before millions even reached the first rung.

IF YOU WERE BORN IN THE 1990s
You entered adulthood facing average prices of £270,000–£290,000.
Earnings multiples hit 8–9× nationally — up to 16× in London.
By age 30: only 25–27% own a home.
Most rent — paying money that builds someone else’s wealth, not yours.
Homeownership went from something you earn to something you inherit.

IF YOU WERE BORN IN THE 2000s
You are entering adulthood facing prices £290,000–£320,000 and rising.
Earnings multiples now 9–10× nationally — up to 17× in London.
By age 30: projected fewer than 20–22% will own a home.
Rent consumes 40–50% of your income. A £60,000+ deposit is effectively impossible to save.
Parental help alone may no longer be enough — now you may need grandparents too.

THE NUMBERS DO NOT LIE
✅ Over-60s own 55% of all UK property wealth — £3.84 trillion
✅ Under-40s own just 10%
✅ Outright homeowners: £647,400 median wealth
✅ Renters: £40,000 median wealth
✅ That is a 16-FOLD DIFFERENCE
So here is the question: If the old rules no longer work for today’s reality — should we allow three generations to combine incomes under one mortgage? Is this the solution — or does it create new problems?

Tell us — which side of the divide are you on? And what would fix this? Let’s talk in the comments.

03/09/2026

THE HOUSING MARKET TIME LOOP CONTINUES…
Last time we travelled from the 70s into the 80s.
Today, the clock moves forward again: 80s vs 90s.

BORN IN THE 80s — THE SQUEEZE
This generation entered their main home-buying years in the 2000s–2010s.
The typical first-time buyer was now around 30–32, compared with the mid-to-late twenties of earlier generations.
By age 30, only around 40% owned their home, while house prices had stretched towards 6.5x earnings.
Then came the 2008 financial crash — bringing tighter lending alongside already higher prices.
Buying later. Borrowing more. Starting the opportunity to build property wealth later.

BORN IN THE 90s — THE CLIMB GETS STEEPER
Their main home-buying years arrived through the 2010s–2020s.
The typical first-time buyer age moved again — towards 33–34.
By age 30, homeownership had fallen towards just 25–27%, while affordability stretched towards 8–9x earnings nationally.
More people were remaining in rented homes for longer while trying to bridge the growing gap between earnings, deposits and house prices.
And suddenly the time loop becomes very interesting…
26–28 → 30–32 → 33–34.
Same dream.
But the age at which generations were reaching it was moving further away.

Next week, we travel from the 90s into the 2000s, continuing the story of how homeownership became the market we recognise today.

01/09/2026

WELCOME TO THE HOUSING MARKET TIME LOOP…
We're going back through the decades to discover how buying a home changed — and how we eventually arrived at the housing market we know today.

First stop: the 1970s vs the 1980s.
THE 1970s
First-time buyers were typically around 26 years old, with house prices approximately 3–4 times earnings.

Deposits were smaller, buyers generally stepped onto the ladder younger and owning a home during your twenties was far more commonplace.

THEN CAME THE 1980s…
House prices accelerated dramatically.
Mortgage rates reached double digits, affordability began to shift and the typical first-time buyer was moving towards their late twenties.

The dream hadn't changed.
But the numbers behind achieving it had.
And this is only the beginning of the story…

On Thursday, our housing time machine moves from the 80s into the 90s.
Then we'll keep travelling — until we reach today's market and see how homeownership really became what it is now.

27/08/2026

THE MORTGAGE FORECAST: 2026 → 2028

Let's strip away the headlines and look at the numbers.

AUGUST 2026
2 YEAR — 4.80%�5 YEAR — 4.60%
Gap: 0.20%

AUGUST 2027 FORECAST
2 YEAR — 4.60–4.90%�5 YEAR — 4.40–4.70%
Midpoints:
4.75% | 4.55%

AUGUST 2028 FORECAST
2 YEAR — 4.30–4.60%�5 YEAR — 3.90–4.20%
Midpoints:
4.45% | 4.05%
And there's the figure that changes the picture:
3.90%.

The lower end of the projected 5-year range by August 2028.

But there is another number worth considering:
2031.

Someone taking a 2-year fixed rate in 2026 could potentially be looking at the mortgage market again in 2028.
Someone fixing for 5 years could potentially next reach the end of their fixed period in 2031.
Same starting year.
Very different timelines.

Forecasts cannot tell us what will happen — and these figures shouldn't be interpreted as guaranteed future rates.

But they can help us look beyond today's headline.

When you see 2026, 2028 and 2031 on the same timeline, which numbers become most interesting to you?

25/08/2026

One Housing Market. Very Different Headlines.

Ever wondered why one property report says prices are rising while another says they are falling?
Often, they are not actually measuring the same thing.

Rightmove and Zoopla largely show seller expectations and asking prices.

Nationwide and Halifax use mortgage-related data, so they sit further along the transaction journey.

The Land Registry / UK HPI looks at completed and legally registered sale prices, making it one of the strongest indicators of what homes actually sold for — but with a significant time lag.

That means the market can already be changing while the completed-sales data is still describing what happened several months earlier.

Then add in:
Regional differences.
�Month-on-month versus year-on-year figures.�
Mortgage buyers versus cash buyers.�
Different samples.�
Different methodologies.

Suddenly the apparent contradictions make far more sense.

Perhaps the headline is not the most important part of a housing report.
The real question is: what is the data actually measuring?!

The summer holidays are drawing to a close. Before long, the calls pick up, meetings return, emails multiply and the fam...
24/08/2026

The summer holidays are drawing to a close. Before long, the calls pick up, meetings return, emails multiply and the familiar rhythm of chasing cases, clients and deadlines begins again.
But after a little more time with the people you love, perhaps a different question has started to surface.

What would it feel like to have more of that time—not because you needed a holiday, but simply because you wanted it?

For many mortgage brokers, stepping back isn't about falling out of love with the work. After years of building a business, nurturing client relationships and becoming the person families trust with some of their biggest financial decisions, walking away isn't as simple as closing the laptop.

Because your client bank isn't just a database.
It's years of conversations. Families you've watched grow. First-time buyers who returned when it was time to move again. People who recommended you to their children, friends and colleagues because they trusted you.

And that's often what makes the thought of slowing down so difficult.
But perhaps there is another way.
With the right people to continue nurturing those relationships, the business you've spent years building can be cared for while you begin creating a little more space for everything—and everyone—outside of it.

More spontaneous days away. More travelling. More time with family. Or simply being able to look at an empty week in the diary and decide to keep it that way.

You've spent years being there when your clients needed you.
What would it feel like to finally have the freedom to take time when you wanted to—not only when you needed to?

If that question has been quietly sitting with you, we'd be happy to have a confidential, no-obligation conversation about what stepping back could look like for you.

020 3640 7600 | [email protected] | www.mtge.uk

We Are On Our Way BackTime away with loved ones, nurtured by nature, embraced by calm. We return refreshed, re-energised...
20/08/2026

We Are On Our Way Back

Time away with loved ones, nurtured by nature, embraced by calm. We return refreshed, re-energised, and fully ready to support you and all your mortgage needs here at MTGE.

Rest is part of being at our best!

18/08/2026

Wishing you all a beautiful holiday, surrounded by your nearest and dearest.

May you give yourself permission to slow down, switch off and simply be.

To laugh a little louder.
Love a little deeper.
Rest without guilt.
Make memories without watching the clock.

Because life isn’t only found in what we achieve or accomplish.

Sometimes, the most meaningful moments are the ones where we do absolutely nothing — except be fully present with the people we love.

Work. Rest. Play. Live. ❤️

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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