
Bealer
10.3K posts





Lloyds has launched a new first-time buyer mortgage needing just a £5,000 deposit 🏡 Key details: - Up to 98% mortgage (borrow up to £295k) - Max property price: £300k - 5-year fixed rate at 5.89% - No product fees - Max borrowing: 4.5x salary - Available to employed + self-employed But there’s a catch: - No gifts (“Bank of Mum & Dad” banned) - No new builds - No shared ownership - Strict affordability + credit checks apply Example: £300k house = £5k deposit + £295k mortgage. On the example of a £300,000 home with a £5,000 deposit: Mortgage = £295,000 Rate = 5.89% fixed for 5 years Assuming a 40-year term (the max allowed) Estimated monthly repayment = ~£1,600/month. If the mortgage term was shorter: 35 years = ~£1,740/month 30 years = ~£1,920/month That’s before bills, insurance, council tax and maintenance costs. Lloyds says it’s aimed at renters who can afford monthly payments but can’t save huge deposits. Basically, the majority of Millennials and GenZ!






Even after Raya had failed to catch the ball, you can see Trossard still has a firm grip on Pablo’s shirt, not having paid any attention to the ball throughout the set piece, only having had an interest in physically hindering Pablo:























