Breaking News: The Biggest Shake-Up to UK Planning & Infrastructure in a Generation

October 27, 2025

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.

What Is the Planning & Infrastructure Bill 2025?

The newly announced Planning & Infrastructure Bill is designed to get Britain building again — by speeding up the approval and construction of homes, renewable energy projects, and key infrastructure.

Here’s what the Bill promises to deliver:

Unblock over 900 stalled housing projects across the UK
Cut red tape and planning delays slowing down construction
Accelerate the building of wind farms, reservoirs, and large housing developments.

In short: fewer hold-ups, more homes, and a faster route to development.

Why Does This Matter?

Delays in planning have caused a shortage of homes, leading to rising rents and higher property prices. Families, first-time buyers, and even local businesses have all felt the pinch.

This new Bill aims to change that — and fast.

If passed, the reforms could give Ministers the power to:

Stop councils from rejecting key projects too early
Prevent planning permissions from expiring due to legal delays
Fast-track nationally significant infrastructure projects

That means new housing developments could be approved faster, potentially opening up fresh opportunities for buyers and investors alike.

What This Could Mean for You?

If you’re a first-time buyer, this could lead to more homes coming onto the market — and possibly more competitive pricing.

If you’re a homeowner looking to remortgage, faster development could mean better infrastructure in your area and increased property values over time.

And if you’re a buy-to-let investor, the acceleration of housing supply could bring new investment opportunities and areas to explore.

What Happens Next?

The Bill still needs to pass through Parliament, so these changes won’t happen overnight. But if and when it’s approved, it could make a big difference to how quickly homes are built and sold in the UK.

At Prosper Mortgage Solutions, we’ll be keeping a close eye on the updates — so you don’t have to.

Stay Ahead with Prosper Mortgage Solutions

Whether you’re buying your first home, remortgaging, or investing in property, our expert team can guide you through your options and help you find the right mortgage for your goals.

👉 prospermortgagesltd@outlook.com | 📱 07825 770882

Need help preparing for your mortgage application?

⸻

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

< Older Post Newer Post >

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.”