Woodhall Mortgages Supports First-Time Buyers Through 2025 Housing Challenges
Halifax, West Yorkshire – Woodhall Mortgages, an independent whole-of-market mortgage broker based in Halifax, is helping first-time buyers across Calderdale overcome growing obstacles to getting on the property ladder.
Established in 2016, the firm is offering tailored advice and practical solutions as rising property prices, larger deposit requirements, and stricter affordability checks continue to make homeownership feel out of reach for many.
Challenges Facing First-Time Buyers
In 2025, first-time buyers are under increasing financial pressure. The average starter home in the UK now costs over £311,000, requiring deposits of £60,000 or more in many cases. With rents at record highs, saving for a deposit has become more difficult than ever. At the same time, lenders are applying stricter affordability criteria, often stress-testing applicants against higher interest rates to ensure they could still afford repayments if rates rise.
Independent Advice with Whole-of-Market Access
As a whole-of-market broker, Woodhall Mortgages can search across more than 90 lenders – including access to deals not available directly to the public. This allows the firm to find more competitive options for buyers, whether they are employed, self-employed, have limited credit history, or are using a gifted deposit.
A spokesperson for Woodhall Mortgages said:
"We work with many first-time buyers who are unsure where to begin. Our goal is to simplify the process, compare the whole market, and help them secure the right mortgage to suit their circumstances. With house prices and deposit requirements as high as they are, expert advice can make all the difference."
The firm also provides a full affordability assessment, guidance on budgeting for upfront costs, and help with obtaining a mortgage Agreement in Principle – all designed to give buyers the confidence and clarity they need to move forward. Initial consultations are free, and as a fully FCA-regulated adviser, Woodhall offers transparent and trusted service at every step.
Local Market Knowledge and Specialist Support
Woodhall Mortgages’ advisors are based in Halifax and have extensive knowledge of the local property market, including surrounding areas such as Sowerby Bridge, Brighouse, and Hebden Bridge. This allows them to offer informed advice not only on mortgages, but also on regional house values, lender preferences, and how best to position applications for success.
The firm specialises in supporting clients with non-standard circumstances – such as those with short self-employment history, low credit scores, or complex income – and helps first-time buyers navigate alternative routes like Shared Ownership and government-backed schemes where appropriate.
Tips for First-Time Buyers
Woodhall Mortgages recommends the following for those preparing to buy their first home:
Improve your credit profile – Pay bills on time, check your credit file for errors, register on the electoral roll, and reduce credit card balances.
Budget beyond the deposit – Include solicitor fees, valuation and survey costs, mortgage arrangement fees, and potential Stamp Duty charges.
Explore government schemes – Consider whether you are eligible for First Homes, Shared Ownership, or the Mortgage Guarantee Scheme.
Secure a mortgage Agreement in Principle early – This shows sellers you're a serious buyer and can help you act quickly when you find a property.
Supporting the Next Generation of Homeowners
Whether you're a single applicant buying your first flat in Halifax or a couple saving for a family home in Calderdale, Woodhall Mortgages provides step-by-step guidance to help you buy with confidence. The firm’s approach is personal, local, and tailored – combining the best of national market access with West Yorkshire insight.
For further information or to book a free consultation:
Woodhall Mortgages
Croft Myl, West Parade, Halifax, HX1 2EQ
Phone: 01422 354011
Email: [email protected]
Website: www.woodhallmortgages.co.uk
Learn more on https://woodhallmortgages.co.uk/
