Big News for London House-Hunters: Government to Fast-Track New Housing Developments

October 27, 2025

If you’re planning to buy a home in London, this is news you’ll want to hear.

The government has announced temporary emergency planning changes to help restart house-building across the capital, a move that could have a real impact on buyers, renters, and those waiting for social housing.

Why This Matters

In recent years, new housing developments in London have slowed down significantly, with many projects stalled or cancelled altogether.



This lack of new homes has created increased competition for the limited properties available, driving up house prices, rents, and deposit requirements, while making it even harder for first-time buyers and social-housing applicants to get a foot on the ladder.

What’s Changing

Under the new measures, developers will benefit from:


  • A fast-track planning route for new housing projects
  • Temporary relief from some development fees
  • New powers for the Mayor of London to review and revive stalled housing schemes


The overall aim is to unlock more affordable homes quickly, particularly for first-time buyers and those needing social housing.

How This Affects You

For first-time buyers, this could mean:


  • A wider range of affordable housing options becoming available sooner
  • Less competition for existing homes
  • Potentially more stability in house prices as supply begins to meet demand


For renters, increased housing development could help ease upward pressure on rents, while those seeking social housing may benefit from shorter waiting times.

Our Take at Prosper Mortgage Solutions

At Prosper Mortgage Solutions Ltd, we know how challenging the London property market can be, especially for first-time buyers navigating high prices, tough lending criteria, and limited options.



These new changes could signal a positive shift, creating more opportunities for buyers to secure their first home. If you’re considering purchasing a property in London, now might be the perfect time to review your mortgage options and get prepared.

Ready to Take the Next Step?

Our team at Prosper Mortgage Solutions specialises in helping first-time buyers, remortgages, buy-to-lets, and self-employed borrowers find the right mortgage solution for their goals.


Get in touch today for a friendly, no-obligation chat about how we can help you get mortgage-ready for London’s changing housing market.


‘Your house maybe repossessed if you do not keep up with your payments.’

‘The Financial Conduct Authority do not regulate buy to let mortgages.’

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📞 Call us on 07825 770882 or book a free consultation - we’ll help you get mortgage-ready with confidence.

First-Time Buyer Mortgages in Gerrards Cross & Buckinghamshire: The Complete 2025 Guide

By Prosper Mortgage Solutions Ltd • December 19, 2025
Buying your first home in Gerrards Cross or Buckinghamshire is an exciting milestone, but it can also feel overwhelming. This comprehensive first-time buyer mortgage guide for 2025 explains everything you need to know before stepping onto the property ladder. A first-time buyer in the UK is someone who has never owned property before. This status can provide access to specialist mortgage products and government support schemes. Most first-time buyers in Buckinghamshire will need a minimum deposit of 5%, though a 10% deposit often provides access to better mortgage rates. Currently, there are a few lenders who are also offering mortgages with 0% deposit and to people on visas. Lenders typically assess affordability based on income, outgoings, and credit history, with borrowing limits usually up to 4–4.5 times annual income. Mortgage options include fixed-rate mortgages, tracker mortgages, and discounted deals. Choosing the right mortgage depends on your financial goals and appetite for risk. The mortgage process includes obtaining an Agreement in Principle, making an offer, submitting a full mortgage application, and completing legal checks. Having a local mortgage broker in Gerrards Cross can make this process far smoother. Government schemes such as Lifetime ISAs and Shared Ownership remain popular with first-time buyers in 2025, but it is important to understand the long-term commitments involved. At Prosper Mortgage Solutions Limited, we specialise in supporting first-time buyers across Gerrards Cross and Buckinghamshire. Our goal is to provide clear, honest mortgage advice and help you secure a mortgage that supports your future plans. Getting onto the property ladder in Buckinghamshire is achievable with the right preparation, advice, and mortgage structure. “Your house may be repossessed if you do not keep up with your payments.”

Is 2025 the Right Time to Review Your Mortgage?

By Prosper Mortgage Solutions Ltd • December 17, 2025
Homeowners across Gerrards Cross and Buckinghamshire are increasingly asking whether 2025 is the right time to review their mortgage. With UK mortgage rates continuing to change, a mortgage that once suited your needs may no longer be the most cost-effective option. A mortgage review in Gerrards Cross allows you to assess whether your current rate is still competitive, whether your fixed rate is ending soon, or whether your financial circumstances have improved. Even small changes such as increased income, reduced debts, or rising property values in Buckinghamshire can unlock better mortgage options. Many homeowners wait until their deal ends, but reviewing your mortgage up to six months before expiry can help you secure a suitable remortgage and avoid reverting to a lender’s standard variable rate. In 2025, mortgage lenders are offering a wide range of fixed and tracker products. Whether you are considering remortgaging, overpaying or restructuring your mortgage to improve affordability, tailored advice is essential. At Prosper Mortgage Solutions Limited, based near Gerrards Cross, we provide personalised mortgage reviews designed to help local homeowners make informed decisions and potentially save thousands over the life of their mortgage. If you live in Gerrards Cross, Buckinghamshire, and are unsure whether your mortgage is still right for you, a review could give you clarity and peace of mind. “Your house may be repossessed if you do not keep up with your payments.”