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Mutual organisation, Family Investments, have reported that two-thirds of parents anticipate having to help their children onto the property ladder. The survey shows these parents plan to help their offspring by giving them money, whilst 24% plan to act as mortgage guarantors.

Cooper Associates comment:-

The survey really does reflect the challenges faced by those trying to get onto the property ladder. However, we do anticipate these conditions improving. The recession previously saw the number of higher loan-to-value products available all but disappear. Since then, we have seen progresses made with the government’s Funding for Lending Scheme and similarly, the new Help to Buy Scheme. Since these introductions, the number of higher loan-to-value products available has increased significantly. However, what has not changed is the cost of purchasing a home and this still acts as a suppressor for those getting onto the property ladder. The Stamp Duty holiday is no longer in force, and many first-time buyers are unable to cough up the necessary purchase costs without help from “The Bank of Mum and Dad”.

Cooper Associates provides advice on mortgages from the whole of the market. For an initial consultation without obligation, please contact our head office on 01823 273880 or email us

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