One topic that regularly comes up with our clients is the role of the oft-called “Bank of Mum and Dad”; that informal source of financial support from family that helps many buyers get a foot on the property ladder.
Whilst family help continues to play a part for some, recent figures clearly show that access to mortgage finance is improving, and that’s a very positive signal for buyers and sellers alike.
What the Numbers Tell Us
According to Barclays’ latest Property Insights report:
These statistics help to paint a real-world picture of today’s buyer market. Yes, family support still matters for a significant minority, particularly where savings haven’t quite kept pace with property prices, but most buyers are now accessing the market with mortgage finance that reflects a broader range of opportunities.
Mortgages Are Becoming More Accessible — And That Matters
Over the past year, the mortgage market has shifted from the caution that held many potential buyers back. Lenders are increasingly competitive again, and products aimed at first-time buyers continue to evolve. More accessible lending means buyers don’t have to lean quite as heavily on family support as they did in previous cycles.
That’s good news, because it opens the door for a wider group of individuals to buy independently, saving their own deposits and building equity in their preferred locations. Encouragingly, this trend cuts across both first-time buyers and those moving up the ladder — it’s not just about getting into your first home anymore, it’s about making the second move too.
What This Means for Confidence and Activity
Improved access to mortgages helps buyers act more decisively, which supports the market momentum.
When buyers know they can secure financing without relying solely on family help, we see:
These factors combine to create a healthier, more active market and that is beneficial for everyone, including home sellers. More buyer activity generally leads to stronger competition and a smoother transaction process overall.
Realistic Challenges, Practical Progress
Let’s be clear: getting on or moving up the property ladder isn’t without its challenges. Affordability pressures have not vanished and for many and family help remains a welcome boost, but home buyers are not stuck on the sidelines. Instead, we’re seeing a market where mortgages are genuinely more accessible and buyers increasingly able to act on their own terms.
That accessibility — combined with adapted lending criteria and a broader range of products — means buyers are more confident, more active, and more empowered than they’ve been in a while.
A Positive Signal for Sellers Too
While this blog is focused on buyers, it’s also worth noting the knock-on benefit for sellers. Increased buyer activity creates:
All of which contributes to a more fluid, balanced market, which is beneficial for everyone.
Whether you’re looking for your first or second home, take a look at our portfolio of properties here and/or sign up for property alerts in your area, here. We can also refer you to a trusted independent financial advisor if you’d like us to, so feel free to get in touch with your local branch.
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