{"id":43834,"date":"2026-08-24T00:00:18","date_gmt":"2026-08-23T23:00:18","guid":{"rendered":"https:\/\/lisaslaw.co.uk\/?p=43834"},"modified":"2026-09-02T15:43:16","modified_gmt":"2026-09-02T14:43:16","slug":"2026%e5%b9%b4%ef%bc%8c%e8%8b%b1%e9%a6%96%e6%ac%a1%e4%b9%b0%e5%ae%b6%e8%bf%8e%e5%a4%9a%e9%87%8d%e5%88%a9%e5%a5%bd%ef%bc%815%e5%8d%83%e9%95%91%e9%a6%96%e4%bb%98%e5%b0%b1%e8%83%bd%e4%b9%b0%e6%88%bf","status":"publish","type":"post","link":"https:\/\/lisaslaw.co.uk\/zh-hans\/2026%e5%b9%b4%ef%bc%8c%e8%8b%b1%e9%a6%96%e6%ac%a1%e4%b9%b0%e5%ae%b6%e8%bf%8e%e5%a4%9a%e9%87%8d%e5%88%a9%e5%a5%bd%ef%bc%815%e5%8d%83%e9%95%91%e9%a6%96%e4%bb%98%e5%b0%b1%e8%83%bd%e4%b9%b0%e6%88%bf\/","title":{"rendered":"2026\u5e74\uff0c\u82f1\u9996\u6b21\u4e70\u5bb6\u8fce\u591a\u91cd\u5229\u597d\uff015\u5343\u9551\u9996\u4ed8\u5c31\u80fd\u4e70\u623f\uff1f"},"content":{"rendered":"<p>\u8fc7\u53bb\u51e0\u5e74\uff0c\u82f1\u56fd\u623f\u4ef7\u3001\u8d37\u6b3e\u5229\u7387\u3001\u9996\u4ed8\u4ee5\u53ca\u751f\u6d3b\u6210\u672c\uff0c\u8ba9\u4e0d\u5c11\u5e74\u8f7b\u4e70\u5bb6\u8fdf\u8fdf\u65e0\u6cd5\u8fc8\u51fa\u7b2c\u4e00\u6b65\u3002\u4f46\u8fdb\u51652026\u5e74\uff0c\u4e00\u4e9b\u4e8b\u60c5\u6b63\u5728\u6162\u6162\u53d1\u751f\u53d8\u5316\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4ece\u4f4e\u9996\u4ed8\u6309\u63ed\u4ea7\u54c1\uff0c\u5230\u5bb6\u5ead\u8d2d\u623f\u652f\u6301\uff0c\u518d\u5230\u653f\u5e9c\u63a8\u52a8\u8d2d\u623f\u6d41\u7a0b\u6539\u9769\uff0c\u9996\u6b21\u4e70\u5bb6\u8fdb\u5165\u623f\u5730\u4ea7\u5e02\u573a\u7684\u65b9\u5f0f\u6b63\u5728\u53d8\u5f97\u66f4\u591a\u3002\u90a3\u4e48\uff0c\u5bf9\u4e8e\u4e00\u4e2a\u51c6\u5907\u8d2d\u4e70\u4eba\u751f\u7b2c\u4e00\u5957\u623f\u7684\u4eba\u6765\u8bf4\uff0c2026\u5e74\u5230\u5e95\u6709\u54ea\u4e9b\u53d8\u5316\u503c\u5f97\u5173\u6ce8\uff1f\u8fd9\u4e9b\u53d8\u5316\uff0c\u771f\u7684\u80fd\u8ba9\u6211\u4eec\u79bb\u4e70\u623f\u66f4\u8fd1\u4e00\u6b65\u5417\uff1f<\/p>\n<p>&nbsp;<\/p>\n<p><img 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2560px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><strong>2026\u5e74\uff0c\u9996\u6b21\u4e70\u5bb6\u503c\u5f97\u5173\u6ce8\u7684\u51e0\u5927\u5229\u597d<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>1\u3001\u591a\u5bb6\u94f6\u884c\u63d0\u4f9b\u9996\u6b21\u8d2d\u623f\u8005\u5229\u597d\u4ea7\u54c1<\/p>\n<p>&nbsp;<\/p>\n<p>\u4eca\u5e745\u6708\uff0cLloyds\u63a8\u51fa\u9488\u5bf9\u9996\u6b21\u4e70\u5bb6\u7684\u65b0\u6309\u63ed\u4ea7\u54c1\uff0c\u6700\u4f4e\u9996\u4ed8\u53ef\u4f4e\u81f3\u00a35,000\uff0c\u9002\u7528\u4e8e\u6700\u9ad8\u00a3300,000\u7684\u623f\u4ea7\uff0c\u6700\u9ad8\u8d37\u6b3e\u4ef7\u503c\u6bd4\uff08LTV\uff09\u7565\u9ad8\u4e8e98%\u3002 \u5982\u679c\u60a8\u4e0d\u7b26\u5408\u8fd9\u9879\u4ea7\u54c1\u7533\u8bf7\u6761\u4ef6\uff0c\u76ee\u524d\u5e02\u573a\u4e0a\u8fd8\u6709\u4e0d\u5c11\u9488\u5bf9\u9996\u6b21\u4e70\u5bb6\u7684\u4e0d\u540c\u65b9\u6848\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u6bd4\u5982\uff0cSantander\u3001Newcastle Building Society\u3001Yorkshire Building Society\u7b49\u8d37\u6b3e\u673a\u6784\u4e5f\u63d0\u4f9b\u4f4e\u9996\u4ed8\u4ea7\u54c1\uff1bSkipton Building Society\u751a\u81f3\u63a8\u51fa\u4e86\u9762\u5411\u7b26\u5408\u6761\u4ef6\u9996\u6b21\u4e70\u5bb6\u7684100% LTV\u4ea7\u54c1\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>Halifax\u76ee\u524d\u9664\u4e86\u63d0\u4f9b5%\u9996\u4ed8\u6309\u63ed\uff0c\u8fd8\u63d0\u4f9b\u00a35,000 Deposit Mortgage\u4ee5\u53caFamily Boost Mortgage\u7b49\u65b9\u6848\u3002Nationwide\u5219\u662f\u53e6\u4e00\u79cd\u601d\u8def\u3002\u5b83\u7684Helping 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decoding=\"async\" class=\"aligncenter size-full wp-image-7109\" src=\"\/wp-content\/uploads\/2025\/01\/Lisaslaw003-Banner.png\" alt=\"\" width=\"2050\" height=\"780\" data-id=\"7109\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>3\u3001\u653f\u5e9c\u4e5f\u5728\u5e2e\u9996\u6b21\u4e70\u5bb6\u964d\u4f4e\u8d37\u6b3e\u95e8\u69db<\/p>\n<p>&nbsp;<\/p>\n<p>\u9664\u4e86\u94f6\u884c\u4e3b\u52a8\u63a8\u51fa\u4f4e\u9996\u4ed8\u4ea7\u54c1\uff0c\u653f\u5e9c\u4e5f\u901a\u8fc7Mortgage Guarantee Scheme\uff08\u6309\u63ed\u62c5\u4fdd\u8ba1\u5212\uff09\u652f\u6301\u4f4e\u9996\u4ed8\u8d37\u6b3e\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u7b80\u5355\u6765\u8bf4\uff0c\u653f\u5e9c\u901a\u8fc7\u4e3a\u90e8\u5206\u9ad8LTV\u6309\u63ed\u63d0\u4f9b\u62c5\u4fdd\uff0c\u5e2e\u52a9\u94f6\u884c\u7ee7\u7eed\u5411\u7b26\u5408\u6761\u4ef6\u7684\u4e70\u5bb6\u63d0\u4f9b\u6700\u9ad8\u7ea695% LTV\u7684\u8d37\u6b3e\uff0c\u4e5f\u5c31\u662f\u901a\u5e38\u9700\u8981\u7ea65%\u7684\u9996\u4ed8\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>4\u3001\u4e70\u623f\u672c\u8eab\u4e5f\u6b63\u5728\u53d8\u5f97\u66f4\u201c\u900f\u660e\u201d<\/p>\n<p>&nbsp;<\/p>\n<p>2025\u5e7410\u6708\uff0c\u82f1\u56fd\u653f\u5e9c\u542f\u52a8\u623f\u5c4b\u4e70\u5356\u6d41\u7a0b\u6539\u9769\u54a8\u8be2\uff0c\u5e76\u4e8e2026\u5e746\u670819\u65e5\u516c\u5e03\u6539\u9769\u8def\u7ebf\u56fe\u3002\u653f\u5e9c\u5e0c\u671b\u901a\u8fc7\u66f4\u65e9\u63d0\u4f9b\u623f\u5c4b\u4fe1\u606f\u3001\u6570\u5b57\u5316\u4ea4\u6613\u8d44\u6599\uff0c\u4ee5\u53ca\u672a\u6765\u5f15\u5165\u66f4\u65e9\u5177\u6709\u7ea6\u675f\u529b\u7684\u4e70\u5356\u534f\u8bae\uff0c\u8ba9\u82f1\u56fd\u957f\u671f\u4ee5\u6765\u7f13\u6162\u3001\u590d\u6742\u7684\u8d2d\u623f\u6d41\u7a0b\u53d8\u5f97\u66f4\u52a0\u900f\u660e\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u5f88\u591a\u4eba\u4ee5\u4e3a\u4e70\u623f\u5c31\u662f\u201c\u770b\u623f\u2014\u51fa\u4ef7\u2014\u7b7e\u5408\u540c\u2014\u62ff\u94a5\u5319\u201d\uff0c\u4f46\u5b9e\u9645\u8fc7\u7a0b\u4e2d\u8fd8\u6d89\u53ca\u8d37\u6b3e\u3001\u8c03\u67e5\u3001\u4ea7\u6743\u548c\u5927\u91cf\u6cd5\u5f8b\u6587\u4ef6\u3002\u76ee\u524d\u82f1\u56fd\u7ea6\u6709\u4e09\u5206\u4e4b\u4e00\u7684\u623f\u5c4b\u4ea4\u6613\u6700\u7ec8\u65e0\u6cd5\u5b8c\u6210\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u6539\u9769\u7684\u76ee\u6807\u4e4b\u4e00\uff0c\u5c31\u662f\u8ba9\u4e70\u5bb6\u66f4\u65e9\u83b7\u5f97\u623f\u5c4b\u72b6\u51b5\u3001\u4ea7\u6743\u4ee5\u53ca\u79df\u8d41\u623f\u4ea7\u76f8\u5173\u8d39\u7528\u7b49\u91cd\u8981\u4fe1\u606f\u3002\u653f\u5e9c\u9884\u8ba1\uff0c\u6539\u9769\u6700\u7ec8\u6709\u671b\u8ba9\u8d2d\u623f\u6d41\u7a0b\u5e73\u5747\u7f29\u77ed\u7ea64\u5468\uff0c\u9996\u6b21\u4e70\u5bb6\u5e73\u5747\u8282\u7701\u7ea6\u00a3650\u3002\u4e0d\u8fc7\uff0c\u8fd9\u4e9b\u6539\u9769\u4f1a\u5206\u9636\u6bb5\u63a8\u8fdb\uff0c\u90e8\u5206\u6838\u5fc3\u63aa\u65bd\u4ecd\u9700\u8981\u540e\u7eed\u7acb\u6cd5\uff0c\u5e76\u4e0d\u4f1a\u57282026\u5e74\u4e00\u591c\u4e4b\u95f4\u5168\u90e8\u6539\u53d8\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>5\u3001\u8fd8\u6709\u4e00\u4e2a\u8ba1\u5212\u503c\u5f97\u4e86\u89e3<\/p>\n<p>&nbsp;<\/p>\n<p>\u5bf9\u4e8e\u51c6\u5907\u8d2d\u4e70\u65b0\u697c\u76d8\u7684\u4eba\u6765\u8bf4\uff0cFirst Homes Scheme\u4e5f\u503c\u5f97\u4e86\u89e3\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u7b26\u5408\u6761\u4ef6\u7684\u9996\u6b21\u4e70\u5bb6\uff0c\u53ef\u4ee5\u901a\u8fc7\u8fd9\u4e00\u8ba1\u5212\u4ee5\u81f3\u5c11\u4f4e\u4e8e\u5e02\u573a\u4ef7\u503c30%\u7684\u4ef7\u683c\u8d2d\u4e70\u6307\u5b9a\u623f\u4ea7\uff0c\u90e8\u5206\u60c5\u51b5\u4e0b\u6298\u6263\u8fd8\u53ef\u4ee5\u8fdb\u4e00\u6b65\u63d0\u9ad8\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u5f53\u7136\uff0c\u5e76\u4e0d\u662f\u6240\u6709\u65b0\u697c\u76d8\u90fd\u53c2\u52a0First Homes\uff0c\u4e70\u5bb6\u4e5f\u9700\u8981\u6ee1\u8db3\u6536\u5165\u3001\u8d37\u6b3e\u80fd\u529b\u4ee5\u53ca\u5730\u65b9\u653f\u5e9c\u89c4\u5b9a\u7b49\u6761\u4ef6\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u9664\u6b64\u4e4b\u5916\uff0c\u9996\u6b21\u4e70\u5bb6\u76ee\u524d\u4ecd\u7136\u53ef\u4ee5\u4eab\u53d7\u4e00\u4e9b\u5df2\u7ecf\u5b58\u5728\u7684\u652f\u6301\uff0c\u4f8b\u5982\u7b26\u5408\u6761\u4ef6\u7684\u5370\u82b1\u7a0e\u4f18\u60e0\uff0c\u4ee5\u53caLifetime 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