The Bank of England has eased high loan-to-income caps, potentially unlocking borrowing for 36,000 more first-time buyers annually. The new Freedom to Buy scheme (a rebrand of the 95% mortgage guarantee) is launching soon, likely sparking a wave of low-deposit buyer demand. Meanwhile, 3.6 million fixed-rate mortgages will end by 2025 — with up to 2.5 million borrowers possibly saving money on new deals.

Major lenders are slashing rates, but volatility means they may not last. Now’s the time to act: more borrowing power, new buyer demand, and prime remortgage opportunities are all on the table.

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