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First-time buyers enjoy biggest choice of low-deposit mortgages in UK since 2008

todayFebruary 13, 2026

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More than 500 deals now offer 95% loans as banks and building societies loosen their borrowing rules

Would-be first-time buyers have the biggest choice of low-deposit mortgages for at least 18 years, new data shows, suggesting that 2026 is looking positive for those trying to get a foot on the property ladder.

In recent months many banks and building societies have been loosening their affordability rules or launching deals that let people borrow 95% of the property’s value, and in some cases more than that.

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Source: www.theguardian.com

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Written by: truelightfm

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