First-time buyers borrow £82.8bn in record-breaking year
Original Article Summary
The balance between mortgage and deposit is slowly shifting for first-time buyers
PropMatch Curated Analysis
First-time buyers borrowed a record £82.8bn in the year to September 2025, representing 30% growth and 20% of total housing market activity. This surge reflects improved mortgage accessibility, regulatory changes, and continued rental property shortages driving homeownership demand.
Investor Relevance
This massive first-time buyer activity indicates strong underlying housing demand and competition for entry-level properties. Investors should consider how this affects acquisition strategies, pricing expectations, and the rental market as renters transition to ownership. The regulatory changes enabling higher LTV ratios also signal evolving lending conditions that could benefit investors.
Original Source:
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