This week we're discussing the current mortgage market and how first-time buyers are faring within it. Paul & Megan are joined by Martyn Johnson and Paul Demarco - two of ESPC's independent mortgage advisors. In this episode they cover the following topics:0:00-1:36 Intro1:36-2:55 Are first-time buyers in a better position now vs last year?2:55-3:48 What do lower interest rates mean for first-time buyers?3:48-4:52 Are there more first-time buyers looking for mortgages right now?4:52-6:16 Are first-time buyers facing a competitive market?6:16-7:30 Good news first-time buyer stories7:30-8:14 Mortgage lender competition8:14-8:48 Where will mortgage rates be at the end of 2026?8:48-10:08 What kind of rates are first-time buyers looking at right now?10:08-11:23 Remortgaging in 202611:23-14:36 The first steps first-time buyers should take14:36-15:26 How much savings do you need to speak to a mortgage advisor?15:26-16:09 Gifted deposit and "Bank of Mum & Dad"16:09-18:20 Guarantor & Joint Borrower Sole Proprietor Mortgages18:20-20:12 How to deal with adverse credit20:12-22:52 What are the most common mistakes first-time buyers make?22:52-25:24 Save more or get on the ladder faster?The information contained in this podcast is provided in good faith.Whilst every care has been taken in the preparation of the information, no responsibility is accepted for any errors which, despite our precautions, it may contain.The initial consultation with an adviser is free and without obligation. Thereafter, ESPC Mortgages charges for mortgage advice are usually £395 (£345 for first-time buyers).YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON AMORTGAGE OR OTHER LOANS SECURED AGAINST IT.ESPC (UK) Ltd is an Appointed Representative of Lyncombe Consultants Ltd which is authorisedand regulated by the Financial Conduct Authority.