Budget 2025 – What It Really Means for Homeowners and Buyers
By Shaun Sturgess, Managing Director – Sturgess Mortgage Solutions
The 2025 Autumn Budget didn’t deliver any headline-grabbing announcements for housing or mortgages — but in truth, that’s not a bad thing. After several unpredictable years of inflation, rate rises, and market uncertainty, a Budget focused on stability is exactly what the property world needed.
Mortgage Rates – The Calm After the Storm
The biggest takeaway for me is the growing sense of calm. Inflation is finally under control, and the Bank of England is expected to start gradually reducing the base rate through 2026.
That doesn’t mean we’re going back to the ultra-low rates of the past decade — but it does mean we’re entering a more predictable, steady environment. Lenders are already competing harder, and we’re seeing far fewer price jumps week to week.
For homeowners, that’s a welcome change. For buyers, it’s a sign that the market is slowly returning to normal.
For Buyers – Don’t Sit on the Fence
If you’ve been waiting for the “perfect moment” to buy, this is it. With rates settling and more competitive options coming back into the market, waiting could cost you the home you want.
We’re already helping buyers across South Wales secure Agreements in Principle and get ahead of the curve. Through our Premium Buyers Service, we even negotiate directly with estate agents on your behalf — helping you secure the right deal while removing much of the stress that often comes with moving home.
The message is simple: be prepared. The buyers who have their finances lined up now will be the ones moving first when confidence returns.
For Homeowners – Plan Ahead and Protect Your Rate
Remortgaging has never been more important. Even in a stabilising market, locking in the right rate early can make a significant difference over the next few years.
At Sturgess Mortgage Solutions, we review every client’s mortgage up to six months before their deal ends, giving them time to secure the best available rate in advance.
And if rates fall before completion, we automatically review and switch to the lower option — meaning our clients never miss out on a better deal. It’s all part of what we call the Sturgess Standard — doing the right thing, proactively, so you don’t have to chase us or worry about timing.
My Take on the Property Market
This Budget feels like a reset — less noise, more stability, and the space for buyers and homeowners to plan with confidence again. We don’t need dramatic government schemes to keep the market moving; we need trust, clarity, and a focus on helping people make smart long-term decisions.
That’s exactly what we do here at Sturgess. Whether it’s your first mortgage, your fifth property, or your next remortgage, our goal is always the same — to make the process clear, simple, and built around you.
If you’d like a free review to see how the Budget might affect your current mortgage or your buying plans, feel free to get in touch. My team and I are always happy to help.
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