Research confirms that the biggest obstacles to homeownership in the UK remain financial, with many aspiring buyers still struggling to take their first step onto the property ladder. According to the findings, raising a sufficient deposit and affording monthly mortgage payments continue to be the principal hurdles for would-be homeowners.
💰 Around six in ten potential buyers cite saving for a deposit as their main challenge, while more than half say the cost of mortgage repayments is a major barrier to buying a home.
🏠 Affordability pressures hit first-time buyers hardest
The ongoing affordability crisis is particularly acute for first-time buyers. Research suggests that despite recent efforts to make borrowing easier, nearly half of aspiring buyers feel they cannot secure a mortgage large enough to meet property prices, highlighting continued financial strain.
📉 Uncertainty about tax policies such as Stamp Duty has also emerged as a growing factor in discouraging home purchases, adding to the sense of caution among potential buyers.
🧭 Building confidence through planning and advice
While confidence in the housing market remains cautious, this uncertainty highlights the value of having a clear plan in place. Many people feel hesitant about buying due to concerns around affordability, deposits and mortgage repayments, as well as wider economic conditions.
However,, with the right guidance, these challenges can often be broken down into manageable steps. We can help you understand what is realistically achievable, explore your mortgage options and create a structured plan towards homeownership.
Around six in ten potential buyers cite saving for a deposit as their main challenge, while more than half say the cost of mortgage repayments is a major barrier to buying a home.
🚨 Data accurate as of the date of publication
🚨 Your home may be repossessed if you do not keep up repayments on your mortgage.
🚨 The above material is for informational purposes only and does not constitute a sales offer or financial advice. Before taking out any insurance, mortgage, credit agreement or other financial product, you should obtain individual advice on your requirements and the general terms of the contract.
ℹ️ Based on: Quilter Financial Services – Essentially Mortgages Q1 2026
