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Abbey survey finds limited demand for 25-year mortgages Research undertaken by Abbey Mortgages has signalled doubts over Alistair Darling's new proposals for more 25 year fixed-rate mortgages in the UK housing market. First-time buyers: beware of introductory mortgage offers! If you're a first time buyer, it's important to do your research in order to avoid the allure of attractive introductory offers and cushy fixed rate mortgages. Rising interest rates make things difficult for first-time property buyers Recent figures from the Council of Mortgage Lenders has revealed the finances of first-time home buyers are being stretched to record levels by rising house prices.