The mortgage scene just got exciting: Nationwide is offering 95% LTV mortgages on new builds, the FCA is opening doors to interest-only options again, and the Bank of England base rate has dropped to 4.25%
If you’re a first-time buyer, adjustment-seeker, or investor, this news is huge.
The Problem
High deposits and expensive repayments have priced many out:
- Buyers turned away from the market
- Lenders enforcing hefty affordability rules
- Cost constraints preventing dream-home moves
Why It Matters
These changes could lower borrowing barriers – yet they come with caveats. Interest-only deals need a solid exit plan; low-deposit deals often carry higher rates
The Solution: Mortgage‑Desk’s Clear, Responsible Guidance
We use your financial vision – not just the algorithm – to guide you toward the best mortgage solution.
Our focus:
- 95% LTV new-build deals
- Safe interest-only options with repayment strategies
- Part-and-part flexible products
- Simple breakdowns of cost versus risk
What We Can Offer
✅ Access to 95% LTV mortgages
✅ Interest-only with repayment safety nets
✅ Part interest/part repayment hybrids
✅ Affordability checks built around your future
Your Next Step
Let’s explore these opportunities together – responsibly, simply, and geared to your goals.