Million-pound mortgages and what the base rate drop means for you

ESPC Property Show

Million-pound mortgages and what the base rate drop means for you

49 views

July 14, 2025

Is a 5% deposit still enough for first-time buyers to get on the ladder? How much do you need to earn to qualify for a million pound mortgage? Will the Bank of England base rate reduction affect your mortgage as a homeowner?

All of these questions (and more!) are answered in this episode of the ESPC Property Show!

In this episode, Paul & Megan are joined by returning guests - David Lauder & Paul Demarco, two of ESPC Mortgages Mortgage Advisors where they discuss high net worth property owners, advice for first-time buyers and the current mortgage market.

Skip to the part you're most interested in:

0:00-1:05 Coming up...

1:05-2:16 Intro

2:16-3:27 What does the Bank of England base rate reduction mean for homeowners?

3:27-4:40 What should you do if you're at the end of your fixed rate?

4:40-5:22 How quickly do lenders amend their interest rates?

5:22-6:17 Our base rate predictions for the rest of the year

6:17-7:57 Swap rates

7:57-9:48 Should you leave a high interest rate mortgage early?

9:48-11:09 Is the new base rate going to affect house prices?

11:09-12:11 Gifted deposits

12:11-12:47 How much do first-time buyers need as a deposit?

12:47-14:13 Skipton's 100% mortgage

14:13-15:45 Do income multiples still apply?

15:45-16:29 How children can affect your mortgage eligibility

16:29-18:51 What's the most expensive mortgage you've ever arranged...

18:51-20:12 Fast mortgage offers happening right now

20:12-22:52 Debt mix up with twins

22:52-24:06 What's the minimum salary to get a mortgage in Scotland?

24:06-25:08 Should you get a tracker or fixed rate mortgage right now?

25:08-27:03 Undisclosed credit and loans

27:03-29:55 Advice for first-time buyers

29:55-32:05 Closing comments

You can watch all of our previous mortgage episodes below:

Are interest rates dropping?

Don't be afraid of mortgages

Unlocking the secrets of the 2023 mortgage market

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