Why Solo Homeownership Is Trending – According to 1,000 UK Women 

Buying a home on your own might have once felt like the exception - but today, it’s quickly becoming the norm. According to The Sun, 37% of women planning to buy their first home want to purchase solo, compared with just 35% who expect to buy with a partner (The Sun). More women are proving that independence and financial control matter just as much as getting on the property ladder itself.

Here at RM Mortgage Solutions, more clients – especially first-time buyers – are coming to us looking for tailored mortgage advice as they pursue their dream of solo homeownership. If you’re considering buying solo, here’s what’s driving the trend, the challenges you may face, and how our independent mortgage advisors can help you take confident steps forward.

Why Women Are Choosing Solo Homeownership

Independent and Control:

Many women simply just want the freedom to choose where they live, without compromise. Buying alone means having the final say over location, style, and lifestyle, alongside a sense of control that feels empowering.

A Long-Term Investment:

For 36% of women, buying solo isn’t just about having a home; it’s about building equity and securing their future. Instead of waiting for the “perfect time,” solo buyers are now investing in themselves.

The Financial Hurdles of Going Solo

Although the motivation is clear, there are some financial hurdles of going solo to be aware of:

Saving on a single income:

The average first-time solo buyer has around £9,420 saved. But with an estimated £27,414 needed for a deposit, the gap is significant.

Upfront and legal costs:

Solicitor fees, survey costs, and moving expenses fall entirely on one person’s shoulders, with 37% of women naming this as their top concern.

Location and affordability:

Budget constraints often force buyers to compromise on their dream location with 36% saying affordability limits their options.

Mortgage approval concerns:

34% of aspiring buyers worry they’ll be turned down without a second income. This is a valid concern if you’re approaching lenders alone, without expert help.

How RM Mortgage Solutions Supports Solo Buyers

The good news is that you don’t have to navigate these challenges on your own. Here at RM Mortgage Solutions, our team of independent mortgage advisors works with solo buyers across Birmingham, Wolverhampton, and beyond.

We start by helping you set a realistic budget and taking every cost into account – not just your deposit. Then, as your mortgage broker, we search the entire market to find lenders and products that suits your circumstances, including options designed with solo buyers in mind.

From completing paperwork to liaising with lenders and solicitors, we guide you through each stage of the process. Most importantly, we keep things clear and jargon-free, so you always feel in control of your decisions.

Take Control of Your Homeownership Journey with Expert Advice

Solo homeownership is no longer unusual – it's a growing trend that reflects independence, ambition, and smart planning. While challenges like deposits, fees, and approval hurdles can feel daunting, the right support makes all the difference.

Here at RM Mortgage Solutions, we’re here to help you turn solo homeownership into a reality. We’re here to make sure your journey is smoother, faster, and less stressful.

Ready to take the first step to buying your home alone? Get in touch with RM Mortgage Solutions today for straightforward mortgage advice you can trust.

Citations

Murray, Lucy. “I Bought a House on My Own at 26 – Here’s Why More Women Are Flying Solo into Homeownership.” The Sun, 20 Aug. 2025, www.thesun.co.uk/money/36262320/woman-buy-home-study/.