Although they face the same set of challenges to homeownership that have been prevalent in the market for a number of years – high house prices mean high deposits, but high rents make it difficult to save – the 2025 cohort of first-time buyers are also an increasingly diverse bunch.
In this video debate, we discuss how first-time buyers’ needs and circumstances are changing, from a growing number of foreign nationals with visa requirements to buyers with evening jobs to prop up their main source of income, and how lenders must evolve their policies and approaches to meet those changing needs.
Tune in to episode one of The Partnership Panel with Newcastle for Intermediaries, hosted by freelance journalist Samantha Partington, to hear the views of Francesco Di Pietro, head of intermediary mortgages, Ben Smith, head of product development, and their guest Toni Smith, network distribution director at Sesame.
Tune in for the next episode, where the panel discuss the thorny issue of mortgage affordability and what we could expect to see from lenders this year following the Financial Conduct Authority’s (FCA’s) call for input on a new approach to stress testing.

Welcome to the future: how collaboration is driving the shift to digital home buying
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