Mortgage temperature check – How lenders are adapting to help homebuyers

24 March 2025

Rob Barnard, Intermediary Relationship Director, Pepper Money

For many aspiring homeowners, stepping onto the property ladder or making the move to the next rung remains a daunting challenge. House prices continue to rise and while mortgage rates are falling gradually, they will remain higher than the historic lows we’ve seen in recent years. This, combined with uncertain economic conditions means that affordability is an ongoing concern.