It is becoming more and more difficult for young people to get on the property ladder, and many are having to save for years to buy their own homes. The skyrocketing house prices combined with rising mortgage rates, not to mention the soaring rent prices and increasing cost of living, have resulted in fewer people being able to afford to purchase a property.
At Mortgage Required, we are a founding member of the IPFA and we are passionate about helping first-time buyers overcome the many challenges they’re currently facing when trying to get on the housing ladder. We think it’s time for a change and the IPFA’s first whitepaper is driving this change.
IPFA stands for ‘Industry Panel for Financial Advice’ and this panel has come together to advocate on behalf of UK financial advisers and all of the customers we serve. The IPFA comprises some of the leading advisory firms in the mortgage market and at Mortgage Required, we are proud to be working alongside other firms who are equally as passionate about providing fair, transparent and accessible financial advice.
The IPFA is working with decision-makers in the mortgage industry and beyond with the aim to drive strategic, regulatory and legislative change. Whilst there are several areas that have room for improvement, the first whitepaper created by the IPFA is designed to help solve the issues today’s first-time buyers are facing. You can download your copy now.
This new whitepaper is calling on legislators and industry decision-makers to implement some practical changes. These changes would ultimately make it easier for young people and renters to purchase their first homes, and the IPFA’s whitepaper provides a solution to some of the biggest barriers first-time buyers are struggling to overcome in this day and age.
At Mortgage Required, we understand that home ownership can be a daunting prospect and we can help you navigate the complex mortgage market. Our expert mortgage advisors are here to help you and we provide an award-winning service that is both free and unpressurised. We will be on your side and we can search the whole market to help you find a mortgage product that best suits your needs and your budget.
If you would like to find out more about the housing market and you want to be the first to know about any recent changes that can benefit first-time buyers, explore our news page today. We have a dedicated news and advice section for first-time buyers, and here you will find lots of useful information. We also invite you to download our free ‘First Time Buyers Guide’ and if you have any questions at all regarding getting your first mortgage, don’t hesitate to get in touch with our team. We will always be happy to assist you.
2 days ago
Here are the lowest fixed mortgage rates of the week, available to first-time buyers, home movers, buy-to-let, and those remortgaging.
Call us for more information: 01628 507477 or email: team@mortgagerequired.com.
Nationwide is the first lender to allow mortgage deeds to be signed electronically and without the need for a witness.
‘My First Mortgage’ from major high-street lender Santander is specifically for those wanting to buy their first property. It allows first-time buyers to purchase 98% of the property’s value. However, certain criteria must be met to be eligible.
Maidenhead, Berkshire – 26th January 2026 – Dedicated independent mortgage experts, Mortgage Required, are delighted to have acquired fellow experienced brokerage, Y-Not Finance.
The acquisition connects two well-respected brokerages, both with a wealth of experience and shared values, to continue providing the best advice on all aspects of the mortgage market.
As part of the UK government’s plans to change the leasehold system to help families struggling with unaffordable ground rent costs.
The Prime Minister announced this morning (27 January) that ground rents will be capped at £250 per year, reverting to a peppercorn rate after 40 years.
Additional borrowing, also known as a further advance, is when you borrow more money on your existing mortgage for a specific reason agreed with your lender.
Here are five of the most common reasons for additional borrowing.
30 Dec 2025
Property search site Zoopla has estimated that the UK housing market will end 2025 with approximately 1.15 million completed sales – 4.5% more than the previous year.
Take a look at the 2025 summary of the UK housing market.
29 Dec 2025
If buying your first property, or moving home, is on your to-do list this year, the new year can be a great time to take this big step. In this short blog, we look at what you need to consider as you plan and prepare for your home-buying journey.