How to Get on the Property Ladder in 2025

Getting on the property ladder is a major milestone, but it can feel daunting especially with rising house prices and changing mortgage rates. However, with careful planning and the right guidance, 2025 could be your year to take that first step toward homeownership.

Assess Your Finances Before diving in, take a close look at your financial situation
Determine how much you can realistically save for a deposit and what monthly mortgage payments you can afford. Consider building an emergency fund to cover unexpected expenses. Lenders will assess your income, expenses, and credit history, so ensure your finances are in good shape.

Save for a deposit
Saving for a deposit is one of the biggest hurdles for first-time buyers. Aim for at least 5-10% of the property’s value but remember that a larger deposit can often secure better mortgage rates. Take advantage of savings accounts with good interest rates and consider government schemes like a Lifetime ISA.
Explore Government support
Government initiatives can make homeownership more accessible. The First Homes Scheme offers discounts on new-build properties for eligible buyers, while Shared Ownership allows you to buy a percentage of a home and pay rent on the rest. Keep an eye on updates to these schemes in 2025.
Understand mortgage options
There are many mortgage types to suit different needs, including fixed-rate, tracker, and offset mortgages. Your mortgage adviser can help you navigate these options and find the right deal that suits your financial situation.
Be realistic about location
Property prices vary widely across the UK, so consider areas where your budget stretches further. Research commuter towns, up-and-coming neighbourhoods, and areas with strong infrastructure plans.
Get professional advice
Buying a home is a big commitment, and having an expert guide you through the process is invaluable.

Get in touch with one of our friendly advisors to discuss your available options and take the first step toward owning your dream home in 2025.

Making it personal with our Google reviews

    
 
 
       Dan Roberts 
 26/08/2026
 
 
  The team at Oviso, particularly Arran, were absolutely fantastic and made the whole process of applying for a mortgage really simple and straight-forward. As first time buyers, Arran made any and all time available to help answer questions and guide us through the process, it really felt that he had our best interest at heart through the entire process and no "sales" style pressure. A huge thanks and we will be recommending them to others looking for this service.
  
 
      mark burgess 
 26/08/2026
 
 
  I recently enlisted the Help of Arran at Oviso for the purchase of my house. My job is unusual in that my wages can vary and some lenders are wary of that. Arran was brilliant in sourcing a lender that understood the nature of my job and were happy to lend. Throughout the process both he and Nicola were both pro-active with communication as well as being on hand to answer our shot questions and allay any worries we had. Arran really knows his stuff, and was able to explain everything to us simply, and in a way that wasn’t confusing with all the financial jargon that can get thrown around. With thanks to Arran, Nicola and the wider team at Oviso, we now have our wonderful home.
  
 
      Nick Smith 
 12/08/2026
 
 
  Excellent service as always from Matt and the team.  Definitely recommend their services to anyone. Thanks guys
  
 
      Kerry Toolan 
 10/08/2026
 
 
  We have just used Oviso for the sixth time in 15 years Every time we've moved or re mortgaged we have used them to get the best mortgage deal and life insurance policy. Each time the experience has been efficient, professional and friendly and all the advice we have received we feel has been delivered by expert's. Their customer service is faultless and we would not hesitate to recommend them to anyone. Thank you to Matt, Helen and all the team.
  
 
      Anne Simpson 
 05/08/2026
 
 
  Always a pleasure dealing with Amelia, Matt and the team at OVISO
  
 
      Chewis Mahogany 
 23/07/2026
 
 
  Great service by Arran and the team, have had his help a few times now in the past 5 years, he and the team are always on hand to support and guide you through the journey with their knowledge and expertise.
  
 
      Anthony Lomas 
 22/07/2026
 
 
  This wasn’t the first time I’ve used Oviso and it certainly won’t be the last. Brilliant advice from Arran and efficient support throughout from Nicola.
  
 
      sean holland 
 22/07/2026
 
 
  We have recently re mortgaged and whilst staying with our existing lender should have been the easiest option it proved to be very difficult. I was then advised to try Oviso and we didn't look back. From an initial meeting with Matt at his office in Derby the whole process has been trouble and stress free. We can't thank the team enough
  
 
      Corey O'Hara 
 22/07/2026
 
 
  10/10 service from start to finish thank-you so much!
  
 
      John-Daniel Marshall 
 01/07/2026
 
 
  Great people to work with, sat in my new house now thanks to Arran, who widened what we thought was possible.
  
 
 
  
 
 
   Google rating score: 5.0 of 5, based on 150 reviews

How to Get on the Property Ladder in 2025

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Making it personal with our Google reviews

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