This brief summarises reporting published by www.mortgagestrategy.co.uk on 19/10/2026. Claims below are attributed to that source.
Older buyers feel the impact most.
Among those in their 40s, 67% now pay 18% more each month compared with former rent. The average loan‑to‑value for these buyers is about 91%, meaning only a 9% deposit was needed.
Younger buyers still see lower mortgage costs than rent.
First‑time buyers in their 20s typically enjoy mortgage payments around 7.5% below their previous rent. Conversely, younger purchasers bought at roughly 83% loan‑to‑value, putting down about 17% of the price.
