First-Time Buyers: Making the Most of Recent Mortgage Rule Changes



Recent mortgage rule changes mean first-time buyers can access larger loans and more flexible options. Adjustments by a range of mortgage providers have broadened what’s possible, helping many secure higher borrowing amounts than under older, more restrictive criteria.

What’s changed for first-time buyers

  • Relaxed lending criteria: Lenders have eased certain rules, widening eligibility and improving borrowing potential for some applicants.
  • Higher income multiples: Select products consider up to six times annual income, versus many products capped around 4.5–5x.
  • Low deposit pathways: Some mortgages allow deposits as low as 1–5%.
  • Rent recognition: Options tailored to private renters who can evidence consistent rent payments.

How Caboodle supports your journey


Caboodle’s advisers have access to a broad range of first-time buyer options and assess the most appropriate arrangement for your needs. For many navigating the market for the first time, professional guidance helps simplify choices and align products with personal circumstances.

Get started

Important information

The information contained above was correct at the time of publication but is subject to change.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.

Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.


Location: The Royal Town of Sutton Coldfield, Birmingham, UK

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