Category: First Time Buyer
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Concessionary Purchase Explained
Concessionary Purchase Explained: How a Discount Can Become Your Deposit Mortgage & Property Finance Guide Concessionary Purchase Explained: How a Discount Can Become Your Deposit Buying a home below its market value—often from a family member, landlord, or employer—can allow the “discount” to count as your deposit. Here’s how it works, who it suits, and…
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⏰ BREAKING: The Bank of England Has Cut Rates… Again.
🎙️ “THE BANK OF ENGLAND JUST HANDED YOU £1,000s… But 90% of People Will MISS Out! Will YOU Be in the 10%? 👇” 📉 Interest rate: Now 4.00%📆 That’s the third cut in 2025 alone: And while the media says “Good news!”…We’re saying: “Wake up.”This is your chance to move — not to wait. 🧠…
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The Cheapest Places to Buy Property in the UK
Where to Snag a Home for Under £150k—and Still Get Strong Returns The UK property market is tougher than ever in 2025, but bargains still exist—if you know where to look. We crunched the latest data to reveal the 10 cheapest places to buy right now, plus expert tips on avoiding hidden pitfalls. 🏆 2025’s Top…
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What Buyers & Tenants Truly Want in 2025: The Ultimate Property Wishlist(And How Savvy Investors Can Deliver It)
The 2025 UK property market isn’t just about bricks and mortar—it’s about lifestyle, flexibility, and emotional value. After analysing 2,000 surveys and 2025 trend reports, here’s what today’s buyers and tenants actually crave (spoiler: it’s not granite countertops). 1. Buyers’ #1 Desire: “Future-Proof” Homes What They Want: Data Point: 82% of Gen Z buyers would pay 5% more for a…
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2025’s Hidden Homebuyer Tricks: 5 Loopholes Banks Don’t Want You to Know
IntroductionThe 2025 property market is tougher than ever—higher rates, stricter affordability checks, and bidding wars on anything decent. But while banks tighten the screws, smart buyers are exploiting these 5 little-known loopholes to slash costs, skip deposits, and even lock in sub-3% mortgage rates. Here’s what agents won’t tell you—but Empreso will. 1. The “Ghost Listing” Discount (Save 10-15%)…
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2025’s Secret First-Time Buyer Loophole: How to ‘Inherit’ a Mortgage Rate
Introduction First-time buyers in 2025 face a brutal reality: average mortgage rates hovering near 5%, house prices still 20% above pre-pandemic levels, and affordability rules getting stricter. But there’s an under-the-radar strategy gaining traction—one that lets you “inherit” a sub-3% mortgage rate from a seller. This little-known portable mortgage loophole is helping savvy buyers save £300+/month—and in some cases, even take over a…
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Why Your Credit File Matters — And How to Check It the Right Way
Have you ever been told that your credit is “good” or “bad” — but had no idea what that actually means? Whether you’re looking to buy your first home, refinance a mortgage, or even apply for a credit card, your credit file can significantly influence the outcome. But what is a credit file, and why…
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Buy-to-Let vs. Buy-to-Live: Which Strategy Wins in Today’s UK Property Market?
The debate between buy-to-let (BTL) investing and buying a home to live in (buy-to-live) remains as relevant as ever—but the rules of the game have shifted in 2025’s UK property market. With interest rates stabilising, new housing policies, and evolving tenant demands, both strategies come with fresh opportunities and challenges. At Empreso, we help clients navigate these decisions—whether they’re first-time buyers, growing families, or…
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How Gifted Deposits and High LTV Mortgages Are Opening Doors to Property Ownership
For many aspiring homeowners, the biggest obstacle to buying their first property isn’t the monthly mortgage payment—it’s finding the deposit. In a market where house prices have outpaced wage growth, saving a 10% or 15% deposit can take years, especially for those also paying rent. One of the lesser-known ways to overcome this hurdle is…
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Don’t Let a Blemished Credit Report Stop You:
Why All Is Not Lost with a Less-than-Perfect Credit File “A poor credit score is not the end of the road—it’s the beginning of your financial self-awareness.” Many people wrongly assume that once their credit file shows a few missed payments, a default, or a CCJ (County Court Judgment), their hopes of buying a home…