Is now a good time to get a mortgage?

What’s happening with mortgages right now?

Over the past year, we’ve seen borrowing conditions begin to improve. As lenders compete for business and rates ease compared to previous highs, more buyers are finding mortgages increasingly accessible.

This means that for many people, monthly repayments may be more manageable than they were not long ago, helping to bring homeownership back within reach.

Why buyers are feeling more confident

It’s not just mortgage rates influencing decisions; confidence is slowly returning across the housing market.

With more properties available and a greater choice of lenders, buyers are starting to feel more in control of their move. This balanced market can make it easier to take that first step, whether you’re a first time buyer or planning your next move.

Things to consider before applying

Before applying for a mortgage, it’s important to understand the full picture.

Think about:

• Your deposit and how much you can comfortably afford
• Additional costs such as legal fees and removals
• The type of mortgage that suits your situation (fixed, tracker, etc.)

Taking the time to plan now can help make the whole process smoother later on.

How Your Move can help

At Your Move, we’re here to support you throughout your journey. While we don’t provide mortgage advice directly, we can introduce you to our trusted partner, Embrace Financial Services, who can help you explore the options available and find a solution tailored to your needs.

As mortgage conditions continue to improve, more buyers are finding their move feels within reach. If you're thinking about buying, now could be the perfect time to explore what's possible. Get in touch with your local Your Move branch and take the first step towards your next home today.

Book a mortgage appointment now!

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Embrace Financial Services Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd, which is authorised and regulated by the Financial Conduct Authority.

You are under no obligation to use our recommended mortgage or protection adviser. Your decision will not affect the seller’s decision, the acceptance of your offer, or the progress of your purchase.” As per Financial Promotions Policy update.

We act as an introducer only and do not provide regulated advice. Any advice or recommendations will be provided by Embrace Financial Services Ltd, an Appointed Representative of Primis Mortgage Network, a trading name of First Complete Ltd, authorised and regulated by the Financial Conduct Authority.