National Singles Day is a celebration of independence, self-confidence, and new beginnings—and what better way to mark it than by exploring the possibility of buying your own home?
Whether you’re newly single and looking for a fresh start, or you’ve always dreamed of owning a place that’s truly yours, getting a mortgage on your own might feel daunting. But here’s the good news: you might be closer than you think.
Our recent research found that many aspiring homebuyers are holding back from applying for a mortgage—not because they can’t afford it, but because they believe they can’t.*
Here are some of the most common myths:
“I don’t have a big enough deposit.”
Truth: In reality, mortgage products now exist with deposits as low as 5%, and in some cases even zero deposit options are available.
“I won’t earn enough on my own.”
Truth: Many lenders now offer up to 5.5x your income, with some lenders offering even higher. You might be surprised at what is possible.
“I’ll be rejected because I’m self-employed.”
Truth: There are lenders who specialise in supporting self-employed buyers, so even if you have been self employed for a short period of time or you are keen to use your most recent years figures due to an uplift in income, there are options available.
“I have poor credit”
Truth: There are lots of options available for buyers with imperfect credit histories or small credit blips. You don’t need a perfect financial record—just the right advice.
“Buying solo means borrowing solo”
Truth: Not necessarily! You could explore getting a guarantor or another borrower to support your mortgage, even if they are not named on the title deeds. This means a family member or trusted individual agrees to step in and cover repayments if needed, which can significantly boost your borrowing power—especially if you’re working with a smaller deposit or a lower income. It’s a smart way to strengthen your application and access more flexible mortgage options.
Why now might be the right time
There’s more flexibility, more choice, and more support than ever before—especially for first-time buyers. If you’ve been renting, saving, or simply waiting for the right moment, this could be it. If you’ve recently come out of a relationship and are wondering what’s next, buying solo could be a powerful step forward.
Whether you’re just curious or ready to take the plunge, our advisers can guide you through what’s possible - based on your unique situation.
If you’d like to discuss your solo home buying options or would like our help in securing the best mortgage deal, call us on 08000 38 37 36 or click here to arrange your free appointment.
*Survey of 984 aspirational UK homebuyers who are yet to apply for a mortgage carried out by ProperPR on behalf of Alexander Hall via consumer research platform Find Out Now (9th September 2025).
