e.surv’s latest findings underline the regional pressure on first-time buyers: London purchasers reportedly need close to twice median full-time earnings to buy the average home, with sizeable affordability gaps also persisting across southern and eastern England. Separately, Goodlord reports annual rental inflation holding at 5%, adding further pressure to would-be buyers trying to save a deposit.
Advisers can use affordability tools and AI-assisted fact-finding to run realistic deposit, loan-to-income and monthly-payment scenarios across locations and property types. The value is not simply producing a maximum borrowing figure; it is helping clients understand sustainable budgets, ancillary purchase costs and whether a longer savings plan, family support or a higher-LTV product is appropriate.