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The offer assumption that costs you properties
Many buyers assume that offering the highest price automatically wins a property. They focus entirely on stretching their budget to beat other offers, believing money is the only factor that matters. In reality, sellers often choose offers that give them the greatest certainty and the smoothest transaction, rather than the highest figure on paper that might not complete. Here’s what separates buyers who secure properties from those constantly losing to “lower offers”: understanding that sellers want certainty, speed and a hassle free process more than they want every last pound. Buyers who present themselves professionally, communicate clearly and structure their offer to suit the seller’s needs often win, even when their price is not the highest.
Demonstrate financial readiness immediately
Provide your mortgage agreement in principle, proof of deposit and solicitor details with your initial offer rather than promising to organise them later. Sellers comparing several offers will naturally prefer buyers who can proceed straight away over those who still need time to arrange finances. Having a solicitor already instructed and being ready to book surveys quickly can make a huge difference. Sellers managing onward purchases or working to deadlines value buyers who can move fast, often more than an extra few thousand pounds that may never materialise if a sale falls through. Being chain free or a first time buyer is a major advantage. Make sure this is made clear from the start.
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Interest rates play a big role in the buy to let market. Whether you are an experienced landlord or thinking about purchasing your first rental property, changes in interest rates can influence your monthly payments, your borrowing options and the overall return you achieve.
The good news is that with the right mortgage advice and a clear plan, landlords can stay in control and make confident decisions, even when the market shifts.
Why interest rates matter for landlords
Your buy to let mortgage rate affects your monthly costs, which in turn impacts your rental profit. If interest rates rise, mortgage payments can increase and landlords may need to review their mortgage deal to keep their finances working efficiently.
If rates fall, there may be opportunities to secure a better deal and reduce monthly costs, which can improve cash flow across a property portfolio.
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Santander UK has announced the launch of a new mortgage product aimed at helping first-time buyers overcome one of the biggest barriers to home ownership, saving for a deposit.
The new My First Mortgage allows eligible buyers to purchase a home with a deposit of just 2%, offering a potential route onto the property ladder for those who may have previously struggled to save a larger upfront amount.
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Buying a home is an exciting milestone, but if you are new to the process, the mortgage journey can feel unclear. Understanding what happens at each stage can help you feel more confident and prepared, from your first viewing right through to collecting the keys.
Whether you are just starting to browse properties or are ready to make an offer, here is a simple guide to the mortgage journey and how our independent mortgage advisers at Richard Kendall Estate Agent can support you along the way.
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As we move through 2026, interior design trends shift toward creating homes that feel personally meaningful, comfortable, and thoughtfully curated. Rather than following rigid style rules, this year's decorating approach emphasizes authenticity, sustainability, and spaces that genuinely support how you live.
