2025 UK Mortgage Market Update: How Keevelia Mortgage Solutions Can Help You
At Keevelia Mortgage Solutions, we help people in St Margarets, Dover and across Kent secure the mortgages they need—whether you’re a first-time buyer, an adverse credit applicant, or looking for a buy-to-let mortgage.
The 2025 mortgage market is already showing signs of opportunity, and our job is to make sure you benefit from them.
1. Mortgage Rates Are Starting to Ease
With the Bank of England base rate dropping to 4% in August 2025, mortgage payments are falling for many borrowers.
Even more unusual—two-year fixed rates (around 5%) are now slightly lower than five-year fixed rates (~5.01%).
How Keevelia Can Help:
We compare the latest rates from across the market, ensuring you choose a deal that fits your budget and goals.
2. First-Time Buyers in Dover: New Opportunities in 2025
It’s becoming easier for first-time buyers to get on the ladder:
The 95% mortgage guarantee scheme is now permanent.
Lenders have more flexibility to offer high loan-to-income mortgages.
Monthly mortgage payments for first-time buyers have dropped to £909, down from £1,002.
How Keevelia Can Help:
We take you from initial mortgage planning right through to completion—making the process smooth, stress-free, and jargon-free.
3. Adverse Credit Mortgages: More Options Than You Think
Having a poor credit history doesn’t have to mean giving up on your homeownership dreams.
Specialist lenders are creating more products for people with historic credit problems.
How Keevelia Can Help:
As adverse credit mortgage specialists, we know exactly which lenders to approach to maximise your chances of approval.
4. Buy-to-Let Mortgages in 2025: A Stronger Market
The buy-to-let sector is growing again:
BTL loan volumes up 38.6% year-on-year.
Mortgage product choice has expanded by 42%.
Two-year fixed BTL rates at 75% LTV are around 3.93%, with some below 3%.
How Keevelia Can Help:
We work with landlords to secure competitive rates for both new investments and remortgages.
5. Local, Personal Service in St Margarets, Dover
As a local, independent mortgage advisor, Keevelia Mortgage Solutions offers:
Whole-of-market access to lenders (including those you can’t approach directly).
Specialist knowledge in first-time buyer, buy-to-let, and adverse credit mortgages.
Tailored advice based on your financial situation and future plans.
Start Your Mortgage Journey Today
Whether you’re buying your first home, refinancing, investing in property, or overcoming credit challenges, Keevelia Mortgage Solutions is here to make it happen.
📞 Get in touch today for a free, no-obligation chat about your mortgage options across Kent and Nationally.
To Book an appt with Siobhan (Kent) https://link.keeveliamortgagesolutions.co.uk/widget/bookings/kms
or Suzanne (Worthing) https://calendly.com/toner1187/30min (Appts are a FREE 30 min Mortgage and Protection consultation, can be in person or telephonic)