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UK Mortgage Affordability 2026 is becoming more complicated despite falling interest rates. Discover why lenders are rejecting more applications, how the new stress tests work, and what first-time buyers can do to improve approval chances.

About 1.8 million UK fixed-rate mortgage deals are ending in 2026 (UK Finance, 2026). If yours is one of them — or you're buying for the first time — the question you're probably wrestling with is the same one we hear almost every day: should I fix for 2 years or 5?

As we move through 2026, the UK mortgage market is entering one of its most significant refinancing periods in recent years.

If you’ve been waiting for the “right time” to buy a home, move, or remortgage, 2026 may finally be the year to take action. After a period of high rates and market uncertainty, conditions are starting to improve, giving borrowers more options and clearer opportunities.

With budgets getting tighter, more homebuyers (especially first-time buyers), are exploring alternative ways to get on the property ladder. One option that has seen renewed interest is the zero deposit mortgage (also called a 100% mortgage).

Buying a home is a major financial decision. No matter if you’re new to the process or looking for your next place, getting good mortgage advice early can help you save money and avoid expensive errors.

Buying your first home in 2026 can feel… a lot. House prices, deposits, interest rates, stamp duty, schemes that may or may not still exist.

Your Complete UK Guide

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Part 2 - Viewing a property and what to do next! Continuing the story of our client manager Beth's home buying journey.

This year our client manager Beth plans on joining thousands of other first-time buyers on the journey to owning her very own home. Follow her story here.

We recently attended a shared ownership event for a new development in Belper to chat about mortgages with potential buyers.

Re-mortgaging your property at the end of your set deal, for home improvements or for debt consolidation.

We're starting our fundraising challenge for charity partner PASIC by Marching through March - see what we have planned.

We recently spent an exciting day filming a promotional video - read more to hear how we got on.

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A short summary of what has to happen on completion day...

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Need a new fixed interest rate mortgage deal? Wish to borrow more for Home Improvements? Want lower monthly mortgage payments?

What is a Joint Borrower, sole proprietor mortgage?

Are they same? Do they have to be used together? We answer these questions below

Having credit such as credit cards can help boost your credit score. However, it is important to know how to use it correctly.

Moving to a new area doesn't have to be intimidating. Here you can find how Key Mortgages can help make your move to Nottingham stress free.

Making an offer on a house is the most anticipated part of the process for some first time buyers. Here are a few things to know that could make the process go a lot smoother.