Why Summer 2025 Might Be the Best Time to Buy Property

Summer 2025 is shaping up to be a prime time to buy property. With interest rate cuts on the horizon, and more flexible lending options, many experts are saying now’s the time to act. But the property market moves quickly – and when it turns, it really turns.

1. Rate Cuts Are Coming

The Bank of England base rate is forecasted to fall to 3.75% by the end of 2025. That’s welcome news for anyone needing a mortgage – lower base rates often translate to more affordable monthly payments.

When rates drop, expect a surge in buyer activity. People who’ve been waiting for the "perfect moment" will all start viewing and offering at the same time. If you wait until then, you'll find yourself in bidding wars and dealing with a market that suddenly becomes a lot more expensive – and competitive.

2. What If the Predictions Are Wrong?

The global economy is unpredictable, and no forecast is guaranteed.

But here’s what we do know:

· At 4.75%, the base rate is already at a multi-year low.

· Lenders are rolling out innovative mortgage products.

· Some brokers are securing interest rates below 4% right now.

3. The Buyer’s Secret Weapon: Specialist Mortgage Brokers

In a fast-moving market, your ability to move quickly and make a strong offer can set you apart. That’s why choosing the right mortgage broker is very important. They could help you with:

· Finding better rate than advertised

· A faster application and approval process

· Insight into which lenders are more flexible with unique income types or first-time buyers

4. Why Smart Buyers Are Preparing Now

In the market we expect this summer, being prepared and quick is your secret weapon.

Here’s how to get ahead:

Get your finances sorted early

Have your mortgage agreement in principle ready to go. If you're a next-step buyer, get advice on your current mortgage or find a better deal.

Line up your solicitor in advance

With the proper legal help, you can get everything ready before your offer is accepted. That can shave weeks off your timeline – and since they work on a no-sale, no-legal-fee basis, there’s no downside to starting early.

Get in touch with our expert

Get in touch with our local agents learn exactly what you’re looking for and can start matching you with homes before they hit Rightmove or Zoopla. It’s how you get ahead of the crowd.

If you're intending to buy in 2025, don’t wait for rates to fall further and competition to rise. Don’t miss your chance—get financially ready now so you can act fast when the right home comes along.