23/12/2025
The Bank of England's decision to cut rates to 3.75% last week marks a meaningful shift for the property market, and it's worth understanding what this means for you as a potential seller.
Put simply, lower interest rates make mortgages more affordable. When mortgage costs drop, more buyers can enter the market and existing buyers can afford to borrow more. We're already seeing this translate into increased activity – inquiries have picked up noticeably since the announcement, and buyers who were sitting on the fence are now making decisions.
For tracker mortgage holders, this means immediate monthly savings of around £30. For those remortgaging or buying, the rates available now are considerably better than they were at the start of the year. This matters because affordability has been the main barrier holding buyers back over the past 18 months.
The timing is particularly relevant. We typically see a spike in property searches after Christmas – families discuss their plans over the holidays and many decide to make a move in the new year. This rate cut adds momentum to that natural pattern. Buyers are now entering 2026 with both improved affordability and greater certainty about the economic direction.
Well-presented properties in good locations are attracting strong interest and, in some cases, offers above asking price.
If you've been considering a move, market conditions are now more favorable than they've been for some time.
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