📉 Mortgage Rates are Finally Dropping! But do you know the real cost of buying in 2026? We’re seeing major lenders cut rates significantly this January, with some headline offers hitting 3.50%. But if you are planning to buy a £350,000 home, the deposit is only part of the story. Here is the full cash breakdown you need to be ready for: 💰 The Deposit (10%): £35,000 🏛️ Stamp Duty (FTB): ~£2,500 (Note: Rates changed April 2025!) ⚖️ Solicitors & Surveys: ~£2,500 = Total Cash Needed: ~£40,000 The