negative equity

This page brings together news, data, and expert opinion on negative equity risks in the UK housing market. Read below to see where vulnerabilities and opportunities may lie.

Low-deposit mortgages make buying cheaper than renting in most UK cities

​​​​​​​Lloyds research finds first-time buyers have an advantage over tenants

FCA review seen as turning point for later life lending

Industry seeks collaboration and higher standards as later life lending goes mainstream

First-time buyers rely more on high LTV mortgages

Deposit challenges force buyers to maximise borrowing

100% mortgages return with a safer design, say brokers

A new generation of no-deposit products is unlocking homeownership for renters, but not everyone qualifies

Zero-deposit mortgages surge as buyers struggle with deposits

New figures reveal increased reliance on 100% LTV deals among first-time buyers

Lenders waking up to the challenges of first-time buyers

Another 100%, no deposit product is announced, but negative equity fears persist

Mortgage brokers give their verdict on 100% LTV, no deposit offer

A short-term solution or a long-term problem? The jury's out

Equity Release Council updates standards with new consumer protections

Updated framework responds to market growth and rising need for flexible retirement finance

Negative equity nightmares: Are 95% LTVs really a good option for first-time buyers?

Nick Rogers knows all too well the perils of negative equity – but it's not the end of the world, he says