With the property market gaining momentum in February 2025, and mortgage deals improving, many buyers are taking steps towards securing their dream home. A mortgage is a key part of the process, and being well-prepared can make all the difference when it comes to securing the best deal and moving quickly when you find the right property. Whether you are a first-time buyer or moving home, having everything in order before you apply can help make the process smoother. Here is what you need to prepare for your mortgage application this year. 

Check your credit score 

Lenders will assess your credit score to determine your reliability as a borrower. A strong credit score can improve your chances of being offered a competitive mortgage deal. Before applying, check your score through a reputable credit reference agency and ensure there are no errors on your report. Simple steps such as paying bills on time and avoiding unnecessary credit applications can help maintain a healthy credit profile. 

Organise proof of income and employment 

Lenders need to see that you have a steady income to cover mortgage repayments. If you are employed, you will usually need to provide recent payslips and a P60 form. If you are self-employed, you may need at least two years of tax returns and accounts, along with bank statements showing your earnings. Having these documents ready in advance can speed up the approval process. 

Calculate your deposit and budget 

Knowing how much you can afford to put down as a deposit is essential before applying for a mortgage. The higher your deposit, the more mortgage options may be available to you. In 2025, there are still government schemes such as the mortgage guarantee scheme, which supports buyers with a smaller deposit. It is also important to factor in additional costs such as stamp duty, legal fees, and moving expenses when planning your budget. 

Prepare bank statements and outgoings 

Lenders will review your spending habits to assess whether you can afford mortgage repayments. Be prepared to provide several months’ worth of bank statements showing your income and regular expenses. Reducing unnecessary spending in the months leading up to your application can help demonstrate financial responsibility and improve your chances of approval. 

Get an agreement in principle 

An agreement in principle is a statement from a lender confirming how much they are willing to lend based on an initial assessment. While not a formal mortgage offer, it gives you a clear idea of your budget and can make you a more attractive buyer when making an offer on a property. Many estate agents will ask for this as proof that you are in a strong position to proceed with a purchase. 

Research mortgage options 

There are various types of mortgages available, including fixed-rate and variable-rate options. It is worth researching what suits your financial situation and future plans. Speaking to a mortgage broker or advisor can help you understand the latest deals available in 2025 and find a mortgage that meets your needs. Keep an eye on lender requirements, as affordability checks and lending criteria can change over time. 

Consider your future financial plans 

Before committing to a mortgage, think about your long-term plans. If you expect changes in your income, job, or lifestyle, it is important to choose a mortgage that fits your future goals. Some buyers may prefer flexibility, while others might want the security of a fixed monthly repayment. Planning ahead can help you choose a mortgage that suits both your current and future circumstances. 

Be ready to move quickly 

With the property market seeing increased activity in early 2025, being prepared gives you an advantage when you find the right home. Having all the necessary documents in place, securing an agreement in principle, and understanding your budget can help ensure you are ready to act when the opportunity arises. 

Book a valuation for expert guidance on the next steps in your home buying journey 

For tenants, a protected deposit provides peace of mind that their money is safe and will be returned fairly at the end of their tenancy. In 2025, there are updates to deposit protection rules and processes that tenants need to be aware of. Understanding how these schemes work and what changes are being introduced can help you feel more secure in your rental agreement. Here is what is new this year and how it benefits you. 

What is a deposit protection scheme 

Deposit protection schemes exist to ensure that tenants’ deposits are kept safe and handled fairly throughout a tenancy. By law, landlords must place your deposit in a government-approved scheme within thirty days of receiving it. At the end of the tenancy, deductions can only be made for agreed reasons such as unpaid rent or property damage. If there is a dispute over deductions, the scheme provides a resolution service to ensure fairness for both parties. 

What is changing in 2025 

New measures are being introduced to improve deposit protection, increase transparency, and make it easier for tenants to track and manage their deposits. Some of the key changes include. 

Digital tracking and notifications  

More schemes are moving towards online systems where tenants can log in and check the status of their deposit at any time. You may now receive automated updates confirming when your deposit has been protected and details on how to retrieve it at the end of your tenancy. 

Faster dispute resolution 

Improvements to the resolution process mean that disputes over deposit deductions are expected to be resolved more quickly. Some schemes are introducing stricter timeframes for landlords and tenants to submit evidence, helping to prevent unnecessary delays in getting your money back. 

Stronger penalties for landlords who fail to comply 

If a landlord does not protect your deposit correctly, they can now face tougher financial penalties. This change is designed to encourage full compliance with the law and ensure tenants’ money is safeguarded properly. 

How these changes benefit tenants 

The updates to deposit protection schemes are designed to make the process fairer, clearer, and more efficient for tenants. Here is how you will benefit. 

Greater transparency  

With more digital tracking options, tenants will have better access to deposit information, reducing uncertainty and making it easier to check that their money is being handled correctly. 

Quicker access to your deposit  

Faster dispute resolution means tenants will not have to wait as long to receive their deposit back at the end of a tenancy, even if there is a disagreement over deductions. 

More security for your money 

Stronger penalties for landlords who fail to protect deposits properly mean fewer risks for tenants. If your landlord does not follow the correct process, you will have more legal backing to claim compensation. 

How to check if your deposit is protected 

If you have paid a deposit, your landlord or letting agent should provide you with details of where it has been registered. In England and Wales, deposits must be held in one of three government-approved schemes. 

Tenancy Deposit Scheme TDS 

Deposit Protection Service DPS 

My Deposits 

You can check whether your deposit is protected by visiting the website of these schemes and entering your tenancy details. If your landlord has not provided you with deposit protection information, ask them for it immediately. If they fail to protect your deposit, you may be entitled to compensation of up to three times the deposit amount. 

What to do at the end of your tenancy 

To ensure you get your full deposit back, follow these steps before moving out: 

Check the tenancy agreement: Review the terms regarding deposit deductions to understand what could be charged at the end of the tenancy. 

Document the property’s condition: Take photos and videos when moving out to provide evidence that you are leaving the property in good condition. 

Request your deposit return promptly: Once you have moved out, formally request your deposit back through the protection scheme to start the process. 

A fairer and more secure system for tenants 

The updates to deposit protection in 2025 are designed to make renting fairer and more transparent for tenants. With better tracking, faster resolutions, and stricter enforcement for landlords, tenants can feel more secure that their deposits are being handled properly. Knowing your rights and taking simple steps to check your deposit is protected can help ensure a smooth rental experience. 

Contact us for guidance on your rights as a tenant and how to ensure your deposit is safe 

When selling a home, the right marketing strategy can make all the difference. While online listings and digital advertising are essential in today’s market, there is still something to be said for the traditional ‘For Sale’ sign. Simple yet effective, this classic tool plays a crucial role in making your property stand out. 

First impressions count 

A ‘For Sale’ sign is often the first thing potential buyers see when passing through a neighbourhood. It creates instant awareness and signals that a home is available. This visibility is especially important in areas where people actively look for properties, as it catches the attention of both serious buyers and those who might not have been considering a move but are drawn in by the opportunity. 

A sign of trust and credibility 

A professionally placed ‘For Sale’ sign not only advertises the property but also builds trust. Buyers often feel more comfortable when they see a reputable estate agent's branding displayed clearly outside a home. It reassures them that the sale is being handled professionally and that the details can be easily verified. This trust extends to sellers as well. Seeing a sign outside their home reinforces that the process is moving forward and that their property is actively being marketed to the public. It is a visual confirmation that the sale is underway. 

Capturing local interest 

Not all buyers come from property websites. Many prefer to explore specific areas they are interested in before making a decision. A ‘For Sale’ sign ensures that your home is noticed by those already looking to move into the neighbourhood. Local buyers are often the best prospects, as they are familiar with the area and its amenities. They may already have friends, family, or work commitments nearby, making them more motivated to find a home in the location. By placing a sign outside, sellers maximise their chances of attracting these potential buyers. 

The role of estate agents in visibility 

Good estate agents help make your home visible to buyers both online and in reality. A ‘For Sale’ sign is just one part of a broader strategy. Agents also use professional photography, online listings, social media promotion, and targeted advertising to ensure maximum exposure. By combining traditional methods with modern marketing, a skilled agent ensures that your property reaches the right audience. They understand how to highlight key features, create compelling property descriptions, and generate interest across multiple platforms. This balanced approach increases the likelihood of attracting serious buyers quickly. 

Expert marketing and local insight 

A ‘For Sale’ sign requires no effort from the seller but provides continuous benefits. It is cost-effective, immediate, and one of the simplest ways to attract attention to a property.  

Alongside this, estate agents bring a complete service to maximise visibility and secure the best outcome. From accurate valuations and expert guidance to a strong database of buyers and local market knowledge, they ensure your property is seen by the right people. While online marketing is essential in today’s property market, a well-placed sign, combined with a professional agent’s expertise, remains one of the most powerful ways to achieve a successful sale. 

If you are thinking about selling your home, consider the power of visibility by booking a valuation