<div id="readability-page-1"> <time datetime="2025-12-13T06:00:00+00:00"> Saturday 13 December 2025 6:00 am </time> | Updated: <time datetime="2025-12-12T12:26:13+00:00"> Friday 12 December 2025 12:26 pm </time> <figure> <div> </div> <img width="742" height="495" src="https://imageproxy.pbkrs.com/https://www.cityam.com/wp-content/uploads/2025/04/GettyImages-2197613868-e1744902216161.jpg/query-dz03NDI?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" original-src="https://imageproxy.pbkrs.com/https://www.cityam.com/wp-content/uploads/2025/04/GettyImages-2197613868-e1744902216161.jpg/query-dz03NDI"/> <figcaption>Housing has become more accessible for first-time buyers</figcaption> </figure> Borrowing by first time buyers has increased by just under a third year on year as access to finance loosened and Brits rushed to get on the housing ladder.Mortgage lenders forwarded a record £82.8bn of mortgage debt to 390,000 first time buyers in the year to September 2025, according to analysis by Savills, a 30 per cent increase year on year. The total value of the housing market, meanwhile, increased by 14 per cent to £417bn in the year to September. Lucian Cook, head of residential research at Savills, said the increase in borrowing “partly reflects the rush to get things through prior to the end of the stamp duty holiday earlier in the year”. On 31 March, the nil rate threshold for first time buyers, which had been currently £425,000, will return to its previous level of £300,000. It caused a significant rise in property transactions at the start of year, with mortgage applications up around 130 per cent. <h2 id="h-homes-become-more-accessible">Homes become more accessible </h2>Equally, a spate of policy changes this year, including revised Financial Conduct Authority guidance of interpretation of mortgage regulation, gave banks room to lend more money to applicants.“Homeownership is more accessible now than at any point in the last three years, thanks to lower borrowing costs, lower real house prices, and more accessible mortgage debt,” Cook said. Momentum is expected to continue into 2026 thanks due further interest rate drops, which will cut mortgage rates. Equally, a shortage of properties to rent – and ever-rising housing costs for renters – are set to push more first-time buyers onto the ladder as they look to escape miserable monthly payments. “Meanwhile, existing mortgage holders seeking to move home are also expected to become gradually more active, with falling rates enabling them to take on slightly larger loans and increase their budgets,” Cook said. </div>

AOMR

2025 年，首次购房者的借款同比增长近三分之一，这得益于融资渠道的放宽和印花税假期的结束。抵押贷款机构向 39 万名首次购房者提供了 828 亿英镑的贷款，增长了 30%。房地产市场的总价值增长了 14%，达到了 4170 亿英镑。政策变化和较低的借款成本使得购房变得更加可及，预计进一步的利率下降将持续推动这一势头进入 2026 年

2025 年首次购房者的借贷量增长了三分之一