If you’ve been waiting for a sign to get on the property ladder — or to grow your portfolio — this is it.
The UK mortgage market is heating up. Lenders are slashing rates in what’s being dubbed the “Mortgage Price War” of 2025, and it’s creating a golden window of opportunity for first-time buyers, landlords, and anyone stuck on an expensive Standard Variable Rate (SVR).
But here’s the truth: while lower rates are a major win, getting the best deal still takes expert navigation — and that’s where Approvable comes in.
What’s Happening in the Mortgage Market Right Now?
Banks are battling to win your business. After months of high interest rates, the tide is turning — and lenders are now offering fixed-rate mortgages below 4%, a level we haven’t consistently seen since early 2022.
Some of the Top Deals on the Market
- Barclays: Two- and five-year fixed deals at 3.99% for buyers with decent deposits
- Santander: Two- and three-year fixed rates at 3.97% and 3.99%
- HSBC: Five-year fixed buy-to-let and residential rates under 4%
- Co-operative Bank: Rate cuts of up to 0.26% on two- and three-year deals
- Halifax, Lloyds & BM Solutions: Relaxed affordability checks, boosting loan sizes by as much as £38,000 for some borrowers
The message is clear: lenders want you.
Why This Matters for First-Time Buyers
We know the dream of owning a home can feel far off — especially with rising rents and strict affordability checks.
But now:
✅ More 95% LTV (loan-to-value) mortgages are available than at any time since 2008
✅ Affordability rules are easing, giving you access to bigger loans
✅ Rates are falling, reducing your monthly payments and total borrowing costs
Tip: Even if you’ve been rejected before due to your income type, credit history, or visa status — Approvable specialises in getting “non-standard” applications approved. We’ve helped countless people who were told “no” elsewhere.
On an Expensive SVR? You Could Be Overpaying by £££ Every Month
If you’re still on a Standard Variable Rate, you’re likely paying thousands more per year than you need to.
With five-year fixed rates dipping under 4%, switching now could:
✅ Save you serious money
✅ Protect you from future rate hikes
✅ Give you peace of mind
Tip: Even if your current deal has an exit fee, the long-term savings might still make switching worthwhile. We can calculate that for you.
Own or Want to Invest Through a Limited Company?
This is a great time to grow or start your property portfolio using a Limited Company (SPV) structure. Why?
✅ It’s more tax efficient — especially for higher rate taxpayers
✅ More lenders than ever are now offering limited company buy-to-let products
✅ You can offset mortgage interest as an expense
✅ It opens doors to portfolio mortgages, bridging loans, and development finance
Tip: Not sure how to set up an SPV or whether it’s right for you? Approvable walks you through the whole process — from incorporation to mortgage completion.
Thinking About Becoming a Property Developer?
With buyer demand still strong and housing supply limited, development is a high-demand, high-reward space.
But the barrier to entry is usually funding.
✅ At Approvable, we offer development finance for new and aspiring developers
✅ You can borrow against land, projects, or even bridging finance to get started
✅ We help you structure deals creatively, even with little experience
Tip: You don’t need to be a big developer to start. Many of our clients begin with single plots, conversions, or small-scale refurbishments — and we fund the journey.
So, Why Approvable?
We’re not your average mortgage broker. We’re FCA regulated and committed to making complex cases simple and approvable.
✅ Access to over 100+ lenders, including specialist and private lenders
✅ Experts in complex income, visa or credit history challenges
✅ Support for first-time buyers, landlords, limited companies, and developers
✅ We do it all: residential, commercial, buy-to-let, bridging, development, second charge, and business loans
✅ Fast turnaround, transparent advice, and a human approach
Your Next Step
The mortgage landscape is changing — fast.
With rates falling and lenders competing harder than ever, this may be your moment to buy, refinance, or expand.
Don’t waste time browsing endless deals or risk getting rejected. Let Approvable help you secure the right mortgage for your situation — whatever that looks like.
Please kindly note that this information is only accurate as of today.
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