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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.”

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.”

Finding affordable life cover with Type 1 or Type 2 diabetes is easier than ever — here’s why. For many years, life insurance for people living with diabetes felt almost impossible to secure. High premiums, strict medical assessments and frequent declines left thousands feeling shut out of essential protection for their families and mortgages. But the market has changed — significantly. With diabetes now affecting millions of people across the UK, insurers are finally adapting their underwriting, improving their understanding of the condition, and offering far more accessible options. If you’ve previously struggled to get life cover because of diabetes, 2025 could be your year to try again . At Prosper Mortgage Solutions , we specialise in protection advice — including helping clients with chronic health conditions find suitable, affordable life insurance. Here’s everything you need to know before applying.

The Bank of England has voted to hold the base rate at 4.00%, following a very close decision by the Monetary Policy Committee (MPC). The MPC, made up of nine members including the Governor, Deputy Governors, the Chief Economist, and external experts, voted 5–4 to keep rates unchanged — reflecting a cautious stance amid ongoing economic uncertainty.

The Government has announced a huge overhaul to planning and infrastructure laws — and it could change the future of housing in Britain. At Prosper Mortgage Solutions, we’re here to help you make sense of what this means for homebuyers, homeowners, and anyone dreaming of getting on the property ladder.

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.

Big News in the Mortgage World Big news for UK homeowners and buyers this month, and it’s one that could shape the future of the property market. At the 2025 Conservative Party Conference , party leader Kemi Badenoch announced plans to abolish stamp duty on main homes in England and Northern Ireland. It’s a bold move designed to make buying and selling property easier, cheaper, and more flexible. Here’s what it means, why it matters, and what you should do next.

We’re thrilled to share that Prosper Mortgage Solutions has officially added Afin Bank to our lending panel! This isn’t just another lender — this is a game changer. For clients who’ve struggled to access mortgages because of non-UK status, visa issues, or complex earnings, Afin Bank offers solutions that most conventional lenders won’t touch. Here’s why this is a big deal — and what it could mean for you or someone you know.

We’ve got some game-changing news for our clients… Prosper Mortgage Solutions has officially launched with April Mortgages — and that means more 100% loan-to-value (LTV) mortgages are now available to you.