Confused about what mortgage deposit you’ll currently need?

Here Ben talks about the effect Covid-19 has had on the mortgage market and the fact you’ll now need a much bigger deposit if you plan to buy a house in the next month or two.




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At Keystone, we’re always watching out for important changes in the property market — not just in pricing, presentation or sales strategy, but also how the system itself works. Recently, the government has announced a set of proposals that could reshape how homes are bought and sold in England and Wales.

It’s one of the questions we get asked constantly here at Keystone: “So, is it a buyer’s market or a seller’s market right now?” It’s a great question — and the truth is, it’s not as black and white as it used to be. The property market isn’t just one big switch that flips between “buyer” and “seller.” 🏠

The November Budget introduces financial changes that may influence affordability and confidence across the UK. But here in Flintshire—where £2 million homes are virtually non-existent—the impact is far more modest. For most local sellers, the focus remains on household budgets, buyer caution and getting pricing right for 2026.

Buying a home is one of life’s biggest milestones — whether it’s your first purchase or you’ve been through the process before. And while it’s exciting, it can also feel overwhelming, with mortgages, surveys, negotiations and legal work all pulling you in different directions 😅