Monthly Mortgage Update

In summary

The property market was fairly quiet in the final months of 2025 as potential buyers waited for the Autumn Budget and Christmas rush. However, our team at Brooks Mortgages were surprised by just how busy things have become recently.

Is this a signal that the market is moving into a more attractive window for homebuyers?

Understandably, November and December 2025 were quiet. Potential buyers halted their plans while waiting for the Autumn Budget to be announced followed by the Christmas rush. That’s why it’s been something of a surprise to see just how busy things have become recently, especially given how subdued the end of last year felt on the ground.

We could now be moving into a very attractive window for homebuyers. The cost of lenders accessing funds has reduced, leading to a series of rate cuts over the last few months. Furthermore, there still seems to be scope to negotiate, which is helping clients secure better deals. In fact, buying now appears cheaper than renting.

Most of the enquiries we’re seeing at the moment are from first time buyers, which is encouraging. However, we do need to see second time buyers return to the market in greater numbers to create more momentum across the chain.

As always, it's really important to get professional advice when taking on a mortgage. No matter where you are on your property journey, we can provide you with fair, trusted advice.

Please get in touch by emailing [email protected] and we would be happy to help.