Affordability anxiety?

For most first-time buyers in 2026, the biggest worry isn't just "Can I get a mortgage?"—it’s the fear of "Affordability Anxiety." With house prices stabilizing but interest rates remaining higher than the previous decade, the primary concern is the long-term commitment of a high monthly payment and the "what ifs" that come with it.

Common first-time buyer worries

Many first-time buyers worry they will fail the nuanced affordability checks of 2026. They also fear health issues related to debt and the stress of property chains. At Genesis Mortgage Services, we understand these concerns and offer solutions to ease your journey.

Hidden rejection fear

Buyers fear that one small financial mistake from years ago or a "fun" month of spending will lead to a flat "No" from a lender, ruining their chance at a specific home.

Health-wealth gap

A significant trend in 2026 is Health Anxiety related to debt. "What if I get ill next year and can't work?". Unlike renting, where you can move, a mortgage is a 30-year legal anchor.

Chain-reaction stress

They worry about the sale falling through due to someone else's mistake, causing them to lose their survey fees, legal costs, and that "perfect" house through no fault of their own.

Genesis mortgage services: your solution

Genesis Mortgage Services solves these worries with a "Lender-Ready" Audit, a "Safety First" Approach, and Chain Management. We don't just get you the keys; we make sure you're protected enough to keep them.

Home buying app

Genesis is one of the few local firms to offer a dedicated Home Buying App. Instead of waiting until you have a deposit to talk to a broker, you can use the app months (or even years) in advance. It helps you build a custom savings plan and tracks your progress.

Ready to buy?

If you've already found a property or have your deposit ready to go, your next step should be to book a free mortgage consultation. Don't let "Affordability Anxiety" stop you. Most first-time buyers we meet are closer to owning a home than they think.