Forecasters have recorded six separate days of temperatures of 35C or higher this year – a first for the UK, according to Sky News data.
The milestone comes as Britain grapples with soaring property prices, prompting Metro Bank to launch a 100% mortgage targeted chiefly at first-time buyers who cannot scrape together a deposit. The product, a Joint Borrower Sole Proprietor mortgage, requires a close relative – such as a parent or grandparent – to sign on as a joint borrower, making them legally liable for repayments if the homeowner falls into arrears.
“UK records six days of 35C heat for first time; Metro Bank launches 100% mortgage requiring family joint borrower.”
Unlike a conventional joint mortgage, the family member gains no ownership stake. “Acting as a Joint Borrower provides a way for immediate family to be that support without watering down the ownership of the property or being asked to provide a deposit,” said Charles Morley, Director of Mortgage Distribution at Metro Bank.
The bank confirmed the product is also open to existing homeowners, subject to eligibility checks. All applicants will receive specialist mortgage guidance before taking out the loan. Both the primary borrower and the supporting family member will be thoroughly assessed under affordability criteria, with the joint borrower required to have their own earned income rather than depending solely on a pension or state benefits. The mortgages are offered as five-year fixed-rate deals.
The heat record, meanwhile – the word is used here as a direct quote from the source, not as a transition – underscores a separate national trend. Forecasters say the six days of 35C or above represent a new milestone, though no further details on specific dates or locations were provided.
