A building society has become the first in the UK to launch a new 100% mortgage scheme aimed at renters and first time buyers.
As the cost of living crisis sadly continues to make its impact felt in every area of society, with renters and first time buyers facing a constant uphill battle to get on the property ladder, and average house prices seemingly rising month on month, Skipton Building Society has launched a new deposit-free mortgage scheme.
Skipton says it “recognised a gap in the market”, and its new offering is therefore mostly aimed at those “trapped in rental cycles”.
While it’s true that there is a handful of other deposit-free mortgage deals available at the moment, they all need the financial backing of family or friends, the BBC reports, which means they are often only an option for those from well-off backgrounds, whereas Skipton’s new scheme is also available to those who don’t have access to “the bank of mum and dad”.
UK mortgage lender launches new deposit-free mortgage aimed at renters / Credit: Pixabay
Available up to 100%, the new product does require 12 months of on-time rental payments and a good credit history, but those applying do not need a guarantor.
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The interest rate is at 5.49% though, which is more expensive than the average five-year fix of 5%.
Data issued by Halifax earlier this year found that the average deposit amount put down by first time buyers in 2022 was £62,470, which is up 8% on 2021.
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The last UK lender offering standard 100% mortgages where no deposit was required withdrew from the market 15 years ago – which means Skipton’s new deal is the first available since the 2008 financial crisis.
Understood to be launching anywhere within the next couple of days or weeks, precise details of how the deal will work are yet to be revealed.
The new offer requires proof of 12 months of on-time rental payments and a good credit history / Credit: Unsplash
Skipton’s new deal comes after the government’s Help to Buy scheme officially closed to new applicants back in October 2022.
It’s expected that the new scheme may not be welcomed by everyone though, and could be met with some criticism, as zero-deposit mortgages and riskier mortgages with a high loan-to-value were believed to be one of the root causes of the 2008 financial crash.
Featured Image – Roger Kidd (via Geograph)
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10 of the best theatre shows to see in Greater Manchester in 2025
Thomas Melia
Greater Manchester already has a jam-packed 2025 theatre schedule, and in the words of Hairspray, Manchester really can’t stop the beat.
There’s no denying that Manchester and its surrounding areas are no stranger to a live performance or two, after all, with three cracking theatres to choose from, it would be hard to miss one of these spell-bounding tours.
Without further ado, here’s a brief overview of 10 of the best theatre shows to see in Greater Manchester in 2025.
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Wicked
Palace Theatre Manchester
3 December 2024 – 12 January 2025
Wicked / Credit: Matt Crockett
The smash-hit blockbuster of the year is continuing its reign even into the New Year for two weeks of gravity defying awesomeness.
Currently nearing the end of its remarkable cinema run, thanks to leading ladies Cynthia Erivo and Ariana Grande, continue the magic of the two witches in the form of live theatre.
Expect all the usual hits like ‘Defying Gravity’, ‘Popular’ and ‘What Is This Feeling?’, get lost in the world of Ozian storytelling and recline in your own comfy bright red theatre seat.
It’s all about star power with this musical as Johannes Radebe from Strictly Come Dancing playing Lola and the music and lyrics handled by pop icon Cyndi Lauper.
The musical follows the life of a struggling businessman who’s inherited his family’s shoe factory, all seems dire until he meets Lola a drag queen who might just solve all his problems.
‘Come Fall in Love – The DDLJ Musical’ as its titled is directed by Aditya Chopra, the film’s original director.
Since its big-screen release in 1995, the show has never left cinemas in Mumbai, becoming the longest-running title in Indian cinema.
This stage adaptation has a huge emphasis on colliding cultures, with the Bollywood production following the love story of two lovers from different backgrounds.
Divorced, beheaded, died, divorced, beheaded, back in Manchester LIVE.
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The six wives of Henry VIII have a special place in Manchester’s hearts, becoming a returning favourite since its not-so-quiet 2018 debut. For those who haven’t been lucky enough to see it, imagine Taylor Swift’s Eras Tour but a few centuries earlier – it’s a pure pop celebration.
Something’s just go hand in hand – Fish and chips, tea and biscuits, and thespians and The Rocky Horror Show.
This musical carries alongside it one of the biggest fandoms of all time, and with Jason Donovan playing the role of Frank-N-Furter, the love for this production is set to grow much stronger. Manchester is no stranger to doing the ‘Time Warp’ and with the musical returning in summer 2025, they’re most definitely about to do it again.
The Lion, The Witch and The Wardrobe / Credit: Matt Crockett
Start filling your Christmas calendar for 2025 early and enrich yourself in a classic novel set in the fantasy land of Narnia.
Watch Lucy, Edmund, Susan and Peter tackle enemies, face foes and create solutions while venturing through a world of wonders. You’re about to be in awe as you get whisked away to this mystical land and watch the story unfold on stage with a live cast and some mesmerising set designs.
Dates for this show are very flexible too, meaning theatregoers have lots of opportunities to see the miracle worker that is Ms. Poppins fly about the streets of London.
It’s a double Australian bill as both Stefanie Jones and Jack Chambers who are reprising their roles as Mary Poppins and Bert, respectively, are both from down under.
‘What’s Love Got To Do With It?’, ‘Proud Mary’ and ‘The Best’, you can’t deny the Queen of Rock ‘n’ Roll has certainly earned her royal musical status.
This monumental singer achieved 12 Grammy awards during her musical career and grew a strong cult fanbase who stuck with her through thick and thin.
Now fans and musical lovers alike can enjoy a show all about the life of the vocal pioneer while also reminiscing on some of the biggest hits of her career.
Pride and Prejudice (Sort Of…) / Credit: Mihaela Bodlovic
There are lots of fantastic productions happening throughout the year and but we had to include this one because it’s Pride And Prejudice… well sort of.
Jane Austen’s groundbreaking novel has seen itself take on numerous adaptations since it’s original hardback debut from the big screen release in 2005 to this new stage musical coming in 2025. The drama will feature some of pop’s greatest records throughout the tale like ‘You’re So Vain’, ‘Young Hearts Run Free’ and ‘Will You Love Me Tomorrow’.
NASA reveals exact time you can see ‘Santa’s sleigh’ fly over Greater Manchester
Thomas Melia
Not long left till Santa and his reindeer crew fly over the skies of Manchester to drop off some of the most amazing presents of the year.
Manchester must have been extra nice this year, as Santa is treating us to lots of chances to catch a glimpse of him on his mission to deliver millions of gifts in time for Christmas.
Just like every year, Santa is dusting off his sleigh and polishing his boots to prepare for his biggest night visiting lots of kids and families. The sleigh is being filled with lots of goodies and surprises as we speak, it’s almost like he can smell the cookies and milk from here.
NASA, one of the world’s leading space companies, has been working meticulously to find out Santa’s route for 2024.
The world-renowned space agency has given us an exact time to look up at the stars to spot the main man himself and catch the glimmer of lights from his sleigh.
NASA has reveals the exact time you can see ‘Santa’s sleigh’ flying over Greater Manchester this Christmas / Credit: Tim Mossholder (via Unsplash)
As a man who has lots of experience globe trotting, it’s safe to say the big man knows how to efficiently cover as many houses as possible all in one night.
Santa’s sleigh will be present at the same time as the International Space Station (ISS), however anyone looking to see this festive vehicle can notice the lights won’t change direction and will not flash.
This time round, Santa is swooshing round Greater Manchester on Christmas Day a whole hour earlier than last year, meaning that nice list must be the longest it’s ever been.
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Tuesday 24 December
5:21am
Santa’s sleigh lights will be visible for two minutes travelling South East to East, as the man of Christmas weighs up his North West delivery route.
6:54am
Theres a six minute opportunity to catch those bright lights of Santa’s sleigh in the Manchester sky as he travels from West to South East, finalising his map before the big night ahead.
Wednesday 25 December
4:35am
It will be visible for less than a minute, no movement, in a static position. Santa will be doing a headcount of all the houses to make sure he’s not missed a single chimney.
6:08am
The sleigh will be seen for four minutes, moving from South West to South East, by now Santa will have finished his Manchester delivery drop and will be heading on over the hill to our friends in Leeds.
Emily Sergeant -
9th May 2023 
