Mortgage rates continue to stabilise, giving buyers and homeowners more confidence heading into the market.

Rates

– Most deals now sitting between 4% – 5%

– High LTV (90–95%) products becoming more competitive

– Lenders slowly improving affordability

First-Time Buyers

– More low-deposit options returning

– Lenders more flexible on income and affordability

– Still a challenge with deposits, but opportunities improving

Remortgaging

– Many homeowners still sitting on higher rates than necessary

– Fixed deals from 2020–2022 continuing to expire

– Big opportunity to reduce monthly payments with a review

Market Insight

– Buyer confidence improving

– Demand increasing as rates stabilise

– Waiting for rates to drop further could cost more long term

What This Means for You

Whether you’re buying your first home or reviewing your current mortgage, now is a great time to explore your options.

Many people are still overpaying without realising it.

Message Mortgage Options NI today for a free, no-obligation mortgage review