When is the best time to invest in property in 2025?

As we enter a new year, many people use this time to reflect on property and investment. The last few years have been turbulent — inflation, changes in government, tax increases and the property market in general. The good news is that things are starting to settle in some ways, making 2025 a good time to consider purchasing.

Housing market trends: more variety, less competition

Research from Zoopla shows 2025 is going to see an increase in the number of properties for sale. This means more variety to choose from, less competition and less chance of bidding wars — so buyers can feel more confident, take their time and enlist professionals such as RICS surveyors to ensure their property is suitable and safe.

Economic trends: stamp duty, mortgage rates and house prices

Mortgage rates are set to fall somewhat, and could even be as low as 4% through the year, helping buyers make monthly payments more affordable. In terms of stamp duty, 1st April 2025 sees changes, with first-time buyers most affected — the threshold reducing from £425,000 to £300,000, taking the cost from nothing to £6,250 for such properties. House prices are also expected to rise, though not by as much as in previous years.

Seasonality

Spring and autumn tend to be the most favourable times to buy and sell, without the run-up to Christmas or the summer holidays. First-time buyers may want to use slower times of year, such as summer and winter, to try and secure a deal on properties struggling to sell.

Reason for purchase

The reason you're purchasing should be a contributing factor. Property should be seen as a long-term investment, so look to the future and longevity of your purchase. A family may be less willing to wait for their dream home, while an investor may be happy to wait for a more financially beneficial time.

Is 2025 the right time to buy a property?

It comes down to each individual, their circumstances and needs. For many, 2025 is the right time due to a more balanced property market, steadier mortgage rates and a manageable increase in prices. For expert advice and a free quotation for a professional RICS HomeBuyer survey, contact us today.