Lisa Parmley Mortgage Management

09/12/2025

📢 Big News for Homebuyers!

The cost of low-deposit mortgages has dropped to its lowest level in over 3 years.

Here’s what you need to know:
✅ 95% LTV (just 5% deposit) – Average 2-year fixed rate now 5.41%
✅ 90% LTV – Average 2-year fixed rate down to 5.24%
✅ Overall market – Typical 2-year fixed rate is 4.94%, down from 6.29% in November 2023
✅ More choice – 95% LTV deals have jumped to 465 products, the highest since 2008

💡 What does this mean for you?
• If you’ve only got a small deposit, things are looking better than they have for years.
• If you have questions about the low deposit mortgages speak to an adviser, who will be able to support you.

Your home may be repossessed if you do not keep up repayments on your mortgage

Source: https://theintermediary.co.uk/2025/11/lenders-push-down-the-cost-of-low-deposit-mortgages-moneyfacts/

09/12/2025

Join Julia's House Children's Hospices for an evening of classic Christmas carols at Minster Church of St Denys in Warminster on Friday 19th December 2025.

Celebrate the season and help raise funds for local families caring for seriously ill children this Christmas.

✨ Sing the classics
Carols everyone knows and loves, performed by White Horse Opera.

📖 Readings from our families
Hear words from Julia’s House families that share the real meaning of Christmas.

🍷 Enjoy festive treats
Mulled wine and mince pies are included in your ticket.

Every ticket helps provide vital care for a seriously ill child this Christmas. Tickets can be purchased here https://lnkd.in/eZAe-Ymc

04/12/2025

🔑 Budget 2025: Opening Doors for First-Time Buyers

Dreaming of your first home? The new Budget is on your side:
• More affordable homes promised, with 1.5 million new builds planned
• Expanded support for families and young people, including higher National Living Wage and more childcare help
• Help to Save scheme widened for those on Universal Credit

Let’s talk about how you can get on the property ladder!

Your home may be repossessed if you do not keep up repayments on your mortgage

Source: https://www.gov.uk/government/publications/budget-2025-document/budget-2025-html

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03/12/2025

🏠 Budget 2025: Key Updates for Landlords

Landlords, here’s what’s changing:
• New property income tax rates from April 2027
• High-value homes (£2m+) face a new council tax surcharge
• Rental reforms: Section 21 evictions abolished, tenants can challenge excessive rent hikes

Stay ahead of the curve—review your portfolio now.

Your home may be repossessed if you do not keep up repayments on your mortgage

Source: https://www.gov.uk/government/publications/budget-2025-document/budget-2025-html

We’d like to set additional cookies to understand how you use GOV.UK, remember your settings and improve government services.

02/12/2025

🏡 Budget 2025: What Homeowners Need to Know

The latest UK Budget brings good news for homeowners:
• Average energy bills will drop by £150 from April 2026.
• Interest rates are stabilising, with the Bank of England cutting rates five times this Parliament.
• Planning reforms aim to boost housebuilding and infrastructure, supporting long-term property value.

Thinking about remortgaging or making home improvements? Now’s the time to review your options.

Your home may be repossessed if you do not keep up repayments on your mortgage

Source: https://www.gov.uk/government/publications/budget-2025-document/budget-2025-html

We’d like to set additional cookies to understand how you use GOV.UK, remember your settings and improve government services.

02/12/2025

🎄

25/11/2025

House Prices: Why the North is Moving Faster than the South

House price growth isn’t the same everywhere. Here’s what’s happening:
✅ Northern Ireland: +7.9% – the strongest rise in the UK
✅ Scotland & Northern England: Around +2% to +3.1%
✅ Wales: Similar growth at +2.3%
✅ Southern England & London: Flat – around 0% to +0.3%

Key Points
✅Buyer demand for £500,000+ homes: Down 4% compared to the same period last year.
✅New listings for £500,000+ homes: Down 7%.
✅Mainstream market activity: Largely unchanged year-on-year (contracts, demand, and supply stable).
✅Regional concentration: London and the South East have the highest proportion of homes over £500,000, so the impact will be most visible there.

Why the gap?
The slowdown at the higher end suggests budget speculation is influencing decisions for high value properties.

Would you consider moving to a different region for better value? Tell us below!

Source: https://www.zoopla.co.uk/discover/property-news/house-price-index/

Your home may be repossessed if you do not keep up repayments on your mortgage

18/11/2025

UK Housing Market: What’s Happening Right Now?

House prices are rising slowly – just 1.3% this year – and homes are taking longer to sell (around 37 days on average). More properties are on the market, giving buyers more choice, but sellers need to price realistically to get a deal done.

Are you seeing more homes for sale in your area? Share your thoughts below.

Source: https://www.zoopla.co.uk/discover/property-news/house-price-index/

Your home may be repossessed if you do not keep up repayments on your mortgage

17/10/2025

17/09/2025

21/08/2025

Great to be part of a networking group who are really supportive of each other and so local too.

06/08/2025

Client Review ✨