Mortgage product availability down 10% since March
Original Article Summary
Mortgage product availability has contracted by approximately 10% since early March, with high loan-to-value options falling by 14%, according to data from Moneyfacts. The reduction particularly affects first-time buyers seeking mortgages at 90% LTV and above. The post Mortgage product availability down 10% since March appeared first on PropertyWire.
PropMatch Curated Analysis
Mortgage product availability has fallen 10% since early March 2026, with high-LTV options down 14%, while average fixed rates remain significantly elevated versus early March levels. Affordability constraints are intensifying, with longer mortgage terms and higher income multiples emerging as coping mechanisms.
Investor Relevance
Elevated mortgage rates (5.78% two-year fix) and reduced product availability directly raise the cost and complexity of acquisition financing and refinancing for buy-to-let and residential investors. The compression of high-LTV products weakens the purchaser pool — particularly first-time buyers — which could soften demand and transaction volumes in certain price segments. Investors refinancing or stress-testing yield assumptions need to update rate expectations substantially above early-2026 baselines.
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