The UK mortgage market is shifting, with lenders becoming more flexible, inflation pressures influencing economic policy, and first-time buyers facing affordability challenges. More lenders are offering 95% LTV mortgages on new builds, but upcoming stamp duty changes in April 2025 could add thousands to first-time buyer costs. Meanwhile, the Bank of England is caught between controlling inflation and managing employment concerns, potentially delaying rate cuts. Whether you’re buying, investing, or remortgaging, staying informed is key.