As we prepare to close out another year at Sturgess Mortgage Solutions, I can’t help but look ahead with excitement and anticipation at what 2025 holds for the UK mortgage and property market. The coming year is set to be a pivotal one, with significant changes and opportunities that will undoubtedly shape the industry’s landscape.
The Mortgage Market in 2025: A Key Transition Year
One of the most notable trends for 2025 is the sheer volume of mortgage fixed rates set to mature. Over 1.8 million fixed-rate mortgages are due to expire, meaning a significant number of homeowners will need to evaluate their next steps. For many, this will involve navigating an evolving interest rate environment, which continues to be influenced by both domestic and global economic factors.
At Sturgess, we see this as a critical moment to step up and support borrowers through what can often be a stressful and uncertain time. Whether it’s exploring competitive new fixed-rate deals, considering tracker mortgages, or even looking at options to remortgage for home improvements, our mission is clear: to provide expert, personalized advice that empowers our clients to make confident financial decisions.
Strengthening Relationships with Introducers and Professionals
To meet the growing demand for guidance in 2025, we’re placing a stronger emphasis on expanding our relationships with key introducers such as estate agents, accountants, and financial advisers. These partnerships have always been central to our business, but in the year ahead, we’re committed to taking this collaboration to the next level.
By working more closely with these professionals, we aim to create a seamless experience for clients transitioning between property purchases, financial reviews, and mortgage advice. For instance, accountants can help us identify clients who may benefit from refinancing, while estate agents can connect us with first-time buyers in need of tailored advice.
Supporting Local Employers and Their Staff
Another area of focus for 2025 is developing partnerships with local employers. We understand that the economic uncertainty of recent years has left many employees anxious about their financial well-being, particularly as fixed-rate mortgages mature. By collaborating with businesses to offer free mortgage reviews and financial workshops, we aim to provide valuable support to their teams.
We believe that financial education in the workplace can have a transformative impact. Employees who feel empowered to make informed decisions about their mortgages and finances are not only less stressed but also more productive. We’re already seeing great success in this area and look forward to building even more meaningful relationships with businesses in 2025.
A Changing Property Market
On the property side, 2025 could see a more balanced market emerge. With interest rates stabilizing, we anticipate an increase in buyer confidence, which could lead to a modest uptick in transactions. For homeowners looking to move or remortgage, this is an excellent time to reassess long-term plans.
At the same time, we’re closely watching the new-build sector, which continues to play a critical role in addressing housing supply challenges. We’ll be working with developers and other stakeholders to ensure clients have access to the right advice when purchasing newly constructed homes.
Looking Ahead With Optimism
2025 is shaping up to be a year of both challenges and opportunities for the UK mortgage and property market. At Sturgess Mortgage Solutions, we’re committed to staying at the forefront of these changes, ensuring our clients and partners benefit from expert guidance and innovative solutions.
As we expand our network of introducers, accountants, and local employers, we’re confident that we can help even more people navigate the complexities of the mortgage market with ease and confidence. Here’s to a successful 2025 for all of us – and as always, if you need advice, our team is here to help.
Warm regards,
Shaun Sturgess
Managing Director, Sturgess Mortgage Solutions
