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Story summary
- In 2026, United Kingdom first-time buyers have access to low-deposit mortgage options in 18 years, 537 deals at 95% borrowing.
- The 537 deals at 95% loan-to-value contrast with 274 deals in February 2024.
- Banks are easing affordability rules, with Santander offering a mortgage up to 98% of a property's value.
- Research from the Building Societies Association shows 47% have not consulted lenders, indicating a perception gap and potential earlier ownership.
