On this week's episode of the ESPC Property Show, Paul & Megan are joined by two of the ESPC Mortgages team: David Lauder & Lisa Bell.

In this episode we chat about:

0:00-0:44 Intro

0:44-2:39 How is the market reacting to the interest rate reductions?

2:39-4:07 What's the average mortgage interest rate at the moment?

4:07-5:16 Do lenders have different criteria for different types of mortgages?

5:16-7:53 Is it getting easier for first-time buyers to get a mortgage?*

7:53-11:17 Is it easier to move up the property ladder now?

11:17-14:10 Advice for remortgaging right now

14:10-17:00 Are applications for larger mortgages treated differently?

17:00-21:08 Biggest mortgage mistakes right now*

21:08-23:54 A mortgage may not be out of reach

23:54-26:00 Outlook for the rest of 2025

26:00-28:30 Advice for home movers right now

The information contained in this podcast is provided in good faith.

Whilst every care has been taken in the preparation of the information, no responsibility is accepted

for any errors which, despite our precautions, it may contain.

The initial consultation with an adviser is free and without obligation.

Thereafter, ESPC Mortgages charges for mortgage advice are usually £395 (£345 for first-time buyers).

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A

MORTGAGE OR OTHER LOANS SECURED AGAINST IT.

ESPC (UK) Ltd is an Appointed Representative of Lyncombe Consultants Ltd which is authorised by the Financial Conduct Authority.