April 22, 2026
Spring into action: why now is the time to review your mortgage plans
| Nearly half of aspiring buyers have never explored their borrowing potential | Remortgaging could improve monthly affordability or release funds for improvements | Early preparation strengthens your position in competitive spring markets |
Spring is often seen as a season of fresh starts; that applies just as much to the housing market as it does to the weather. With brighter days, more properties coming onto the market and a sense of momentum building before the summer months, spring is a natural time for people to think seriously about their next move – whether that means buying for the first time, moving home or reviewing an existing mortgage.
You may be closer than you think
For first-time buyers especially, there’s encouraging news. Research shows that many people may be far closer to owning a home than they realise. In fact, 47% of aspiring buyers1 have never spoken to a mortgage adviser or lender to explore what might be possible. Yet among those who have taken that first step, many discovered they could buy sooner than they had expected.
Sometimes, it simply comes down to understanding the options available and getting clarity on what you can afford.
Time to review your current deal?
It’s not just first-time buyers who can benefit from a spring review. Existing homeowners may find this a good time to consider remortgaging. Whether your current deal is coming to an end, you’re looking to manage monthly payments, or you want to raise funds for home improvements, exploring new mortgage options could help you make the most of your finances.
Preparing for your next chapter
Spring is also a popular time for home movers. With more choice on the market and families aiming to settle before the new school year, planning early can put you in a strong position when the right property appears.
Start with a conversation
Whatever your situation, speaking to a mortgage adviser is one of the most valuable first steps you can take. We can help you understand your borrowing potential, explain the latest products and guide you through the process with confidence.
This season of renewal could be the perfect moment to review your plans, ask questions and take a step closer to your next home.
¹BSA, 2026
As a mortgage is secured against your home or property, it could be repossessed if you do not keep up mortgage repayments.
