{"id":107044,"date":"2026-08-20T00:04:09","date_gmt":"2026-08-20T00:04:09","guid":{"rendered":"https:\/\/www.europesays.com\/britain\/107044\/"},"modified":"2026-08-20T00:04:09","modified_gmt":"2026-08-20T00:04:09","slug":"lloyds-first-time-buyers-ruling-themselves-out-over-mortgage-myths","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/britain\/107044\/","title":{"rendered":"Lloyds: First-time buyers ruling themselves out over mortgage myths"},"content":{"rendered":"<p>&#8220;In reality, mortgage decisions are based on a much broader picture of your finances and circumstances. While affordability is important, don&#8217;t rule yourself out because of misconceptions about what lenders look for. This isn&#8217;t something people need to <a href=\"https:\/\/www.mpamag.com\/uk\/mortgage-types\/first-time-buyer\/lack-of-mortgage-advice-a-major-hurdle-for-first-time-buyers\/556870\" target=\"_blank\" rel=\"nofollow noopener\">navigate on their own<\/a>.<\/p>\n<p>&#8220;Speaking to a mortgage adviser or broker early on can help you understand what options are available. Many people are surprised to find they&#8217;re in a stronger position than they expected.&#8221;\u00a0<\/p>\n<p dir=\"ltr\"><img decoding=\"async\" alt=\"Television personality Livi Sheldon\" src=\"https:\/\/www.europesays.com\/britain\/wp-content\/uploads\/2026\/08\/0376_639227578922020102.jpg\" style=\"width: 30%; height: 30%; margin-left: 5px; margin-right: 5px; float: right;\"\/>Lloyds has also partnered with television personality and first-time homeowner Livi Sheldon (pictured right), known for appearing on Gladiators, to draw attention to the misconceptions identified by the research.<\/p>\n<p dir=\"ltr\">&#8220;Buying my first home was an incredible milestone, but I know how easy it is to look at the challenges involved and wonder whether it&#8217;s achievable,&#8221; Sheldon said. &#8220;A lot of people assume they need everything to be perfect before they can even think about getting a mortgage, but that&#8217;s not necessarily the case.<\/p>\n<p dir=\"ltr\">&#8220;Talking to experts and understanding your options can make a huge difference. Getting on the property ladder isn&#8217;t easy, especially when you&#8217;re working hard to save, cutting back on things you enjoy and putting other plans on hold. But it&#8217;s important not to rule yourself out before you&#8217;ve explored what&#8217;s possible.&#8221;<\/p>\n","protected":false},"excerpt":{"rendered":"&#8220;In reality, mortgage decisions are based on a much broader picture of your finances and circumstances. While affordability&hellip;\n","protected":false},"author":2,"featured_media":107045,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[21256],"tags":[7507,3692,2861,44456],"class_list":["post-107044","post","type-post","status-publish","format-standard","has-post-thumbnail","category-lloyds-banking-group","tag-first-time-buyers","tag-lloyds","tag-lloyds-banking-group","tag-mortgage-myths"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@UnitedKingdom\/117124914530471057","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/posts\/107044","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/comments?post=107044"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/posts\/107044\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/media\/107045"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/media?parent=107044"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/categories?post=107044"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/tags?post=107044"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}