Category: First Time Buyer
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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…
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🏡 Why Use a Buying Agency?
And Why Empreso Might Be the Smartest Move You Make Buying a property is one of the most significant financial decisions you’ll ever make. Whether you’re upsizing for your growing family, relocating to Kent for better schools, investing in a buy-to-let, or securing your dream home — the process can be overwhelming, time-consuming, and riddled…
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Life Insurance: The Gift That Keeps Giving – Even When You’re Gone
When we think of gifts, we often imagine something wrapped in paper or tied with a bow—something we give to show love, appreciation, or care. But some gifts don’t come in boxes. Some gifts last much longer. Life insurance is one of them. It may not be the most glamorous topic at the dinner table,…
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🏡 “Don’t Wait to Buy. Buy and Wait.”
Buy Now or Regret Later: Timing the Market vs. Time in the Market 👋 Hey there, future homeowner! So many people ask the same question:“Should I wait for the market to cool down before buying?”And it’s totally valid — the property world can feel overwhelming. But today, I want to share a quote that changed…
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Why Traditional Estate Agents Don’t Work for Buyers
How Empreso Levels the Playing Field Why Traditional Estate Agents Don’t Work for Buyers And How Empreso Levels the Playing Field Buying a property is one of the biggest financial decisions of your life. Yet, most buyers step into the process with a huge misconception: They believe the estate agent is there to help them.…