As Valentine’s Day approaches, Skipton Building Society’s research reveals a powerful trend: more women are choosing to get on the property ladder alone than with a partner, showing that love isn’t the only milestone worth celebrating this February.
A nationwide study of aspiring female first‑time buyers found that 37% plan to buy solo, compared with 35% who intend to purchase with a partner. Independence remains the leading motivation: 50% of women cite independence as their top driver, 41% want full control over where they live, and 36% view solo homeownership as a long‑term investment in their future.
But while motivation is strong, the path to buying alone remains challenging. Skipton’s research shows:
- 38% struggle to save for a deposit on one income
- 37% worry about covering legal and survey costs alone
- 34% are concerned about being approved for a mortgage without a second income
Despite this, determination remains high, with 89% of aspiring solo female buyers saying it’s important to achieve this milestone independently.
Track Record Mortgage supporting solo buyers
To support renters who are ready to buy but held back by deposit requirements, Skipton’s Track Record Mortgage offers a 100% loan‑to‑value option for those with a strong and consistent rental payment history.
Jen Lloyd, Head of Mortgage Products & Proposition at Skipton Building Society
“Our research shows that solo buyers, particularly women, are incredibly driven, yet face a disproportionate number of barriers. From saving for a deposit on one income to covering all the upfront costs alone, the challenges can feel overwhelming. But they shouldn’t stand in the way of people pursuing homeownership on their own terms.
“It’s clear there’s strong demand for more flexible, accessible products that reflect how people live today. As a building society founded on fairness, we’re committed to designing solutions that genuinely make a difference.
“That’s why we created our Track Record Mortgage—to support renters who are financially ready to buy but locked out by traditional deposit requirements. We also want to raise greater awareness of support already available, so solo buyers feel seen, supported and confident on their path to owning a home.”
