Many prospective buyers feel ready to move in 2026, but affordability concerns and uncertainty are still causing some hesitation.
Buying a home is a major financial decision, and even when people feel emotionally ready to take the next step, practical challenges can make it difficult to move forward with confidence.
Confidence versus action
Recent research found that 52% of prospective buyers believe they are ready to purchase a property this year. However, there remains a clear gap between feeling ready and actually starting the homebuying process.
For many households, high property prices and the challenge of saving for a deposit continue to be key barriers. Rising living costs and uncertainty around mortgage affordability have also made it harder for some buyers to feel fully financially prepared.
First-time buyers may feel this pressure especially strongly. Balancing the cost of renting while trying to save for a deposit can be difficult, even when confidence in the housing market is starting to improve.
Understanding the homebuying process
Affordability is not the only concern. The research also found that 31% of respondents felt they lacked understanding of the homebuying process itself.
For anyone buying a home, especially for the first time, the process can feel overwhelming. From deposits and mortgage agreements to surveys, solicitors and different product types, there is a lot to consider.
Many prospective buyers are also unsure about the range of mortgage options available and which type of product may be suitable for their circumstances.
Why advice can make a difference
Seeking professional mortgage advice can help buyers feel more informed and confident about their next steps.
A mortgage adviser can help explain the process clearly, review your circumstances and explore suitable mortgage options. This can make it easier to understand what may be affordable, what lenders are likely to consider and what steps you may need to take before applying.
Speak to Pioneer
If you are hoping to buy a home but feel unsure about affordability or the process, Pioneer can help.
Our team can talk you through your options, explain the homebuying journey in plain language and help you feel more confident about making your next move.
Your home may be repossessed if you do not keep up repayments on your mortgage.