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Appletree Mortgage Advice Blackpool
Latest Newsmortgage

The True Cost of Buying a Home

the Deposit When people think about buying a home, the focus is usually on saving for the deposit. But while the deposit is the biggest upfront cost, it is far from the only one. If you are preparing to buy your first property, it is important to understand all the costs involved so you are not caught out by unexpected expenses. Why It Matters Buying a home is one of the biggest financial commitments you will ever make. Budgeting for the deposit is essential, but if you do not also plan for the extra costs, you could face delays, added…
David Gallagher
November 3, 2025
mortgage advice blackpool
Latest Newsmortgage

What Are the Pros and Cons of 100% Mortgages?

A 100% mortgage is a home loan that allows you to buy a property without putting down any deposit. Before the 2008 financial crisis, deposit-free mortgages were widely available, with some lenders even letting borrowers take out more than the property’s value to cover living costs. After the crash, these products disappeared from the market. In 2023, as first-time buyers continued to struggle with high rents and rising living costs, some lenders began to reintroduce 100% mortgages. For example, if you wanted to buy a property worth £325,000, you could borrow the full £325,000. Any lender offering such a product…
David Gallagher
September 22, 2025