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Mortgage approvals in January were 18% higher than a year earlier, as buyers look to secure properties before the nil-rate threshold for stamp duty reverts from £250,000 back to £125,000 in April.
While the current rush might leave the market quieter than usual after April, indications are that demand levels are rising modestly with activity increasing, even for sales unlikely to complete before the deadline.
Agents in the latest RICS UK Residential Market Survey report rising levels of market appraisals compared to a year ago and anticipate an increase (albeit modest) in transactions in coming months.
The picture is fairly cautious. As stamp duty changes bring extra costs, the wider economic backdrop, with its uncertainty on inflation and mortgage rates, may deter some buyers as we move through the year.
To find the right mortgage for you, please visit our Mortgage comparison tool..
Source: Dataloft (now PriceHubble), Bank of England, January 2025.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.
The fee is up to 1% but a typical fee is £595.
As a first time buyer, I was in the dark on how the process worked but having the support Beccy and Mark throughout made our journey a lot easier. Both friendly, approachable and knowledgeable a broker. I would recommend.
Jonathan PThank you, Kevin, and Beccy for a proactive service securing a better than expected mortgage rate.
Sarah TI would recommend using Mortgage Decisions as they made the process of choosing my first mortgage so easy to understand . They were very knowledgeable on all the products available ,but mostly they were prompt . Thank you in-particular to Toby and Louis.
Lindsay BThe best mortgage advisors in our opinion. I was kept up in the loop from day one. Extremely friendly and professional service. Thank you once again.
Pawel WKevin and Beccy have been extremely helpful - firstly in exploring viable options to suit my situation and secondly keeping me in the loop and dealing with queries that arose along the way. This is my second mortgage with them, both of which had possibly unusual elements and they were able to navigate me through them and find me good mortgages.
Thea E
