Why It’s a Great Year for First‑Time Buyers

Could This Be the Best Year for First‑Time Buyers?

If you’re searching for first‑time buyer tips UK 2026 or best time to buy a house, the early signs are positive. Market activity, affordability, and lending conditions are aligning in a way that benefits new buyers, making 2026 a year worth planning for.

First‑Time Buyer Activity Is Rising

Data from property portals show first‑time buyers are very active in 2026, with strong viewings and offers early in the year. Increased buyer activity reflects:

• More homes for sale in all price ranges

• Greater confidence in buying over renting

• Less competitive bidding than in previous years

This early momentum suggests 2026 may be one of the best years for first home buyers to find suitable properties without extreme competition.

More Property Choice Means Better Options

One of the biggest search phrases we see is “how to find affordable first‑time buyer homes”. In 2026, stock levels are higher compared to recent years, giving you:

• Wider geographic choice

• More options within your budget

• Less pressure to make rushed offers

More property choice means you can be selective and find a home that genuinely matches your needs.

House Prices Are Growing Slowly — Not Skyrocketing

Stability matters when saving for deposits. Forecasts show modest price growth in 2026 rather than rapid rises. For first‑time buyers, this means:

• Your savings go further

• Buyers compete less with investors

• You can plan with more certainty

This steadier market makes 2026 a strategic year for first‑time buyers to act.

Mortgage Deals Are Improving for First‑Time Buyers

Mortgage search terms like “best mortgages for first‑time buyers UK” are trending — and lenders are responding:

• Deals with lower deposits

• Higher income multiples

• Cashback or incentives for new buyers

These products improve affordability and make it easier to qualify, especially for buyers with limited savings or shorter credit histories.

Rental Market Trends Help You Save

Many first‑time buyers ask “is now a good time to buy instead of rent?” In 2026:

• Rental price growth is slowing

• Tenants retain more of their income for savings

• Buying becomes financially more attractive than long‑term renting

Slower rental increases mean you can save more for a deposit without rental costs spiralling.

Mortgage Deals Are Improving for First‑Time Buyers

Mortgage search terms like “best mortgages for first-time buyers UK” are trending — and 2026 is shaping up to be a strong year for new buyers. Lenders are offering:

• Deals with smaller deposits

• Higher income multiples for eligibility

• Cashback or other first-time buyer incentives

At James Anderson, we work closely with our trusted partners at IMCFS, who specialise in guiding first-time buyers through the mortgage process. While we provide expert property advice, IMCFS ensures buyers understand affordability, compare competitive rates, and choose the mortgage product best suited to their circumstances. This partnership gives our clients the confidence to move quickly and securely in a competitive market.

Looking Ahead with Confidence

With increased housing stock, calmer price growth, competitive mortgages, and improved rental dynamics, 2026 has the potential to be one of the best years for first‑time buyers in the UK. Prepared buyers with clear expectations and the right support will be well‑placed to secure their first home.

Call to Action:
Ready to take the next step? Contact James Anderson Estate Agents for personalised advice and support through every stage of your first‑time buyer journey.