Is 2025 A Good Year To Buy A Property In Kent?

 

If you've been thinking about purchasing a property in Kent, 2025 could be the perfect year to do so!

The balanced property market, stabilizing mortgage rates, and steady house price growth create a favourable buying environment in 2025. Whether you’re a first-time buyer, moving up, downsizing, or investing, there are plenty of opportunities.

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A balanced property market creates diverse opportunities for buyers and sellers alike

The UK property market is gradually reaching a state of balance. Data from Zoopla indicates that the number of homes for sale in 2024 has reached its highest level in seven years, and this trend is anticipated to continue into 2025.

For buyers, this means:

• Greater Inventory: More homes on the market give buyers a wider range of options.
• Less Competition: A balanced market reduces bidding wars.
• Stability: Buyers can make decisions more confidently without rushing.

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Improved mortgage rates provide financial relief

After a year of volatility, mortgage rates are starting to stabilize.

Why this matters for buyers:

• Lower Monthly Payments: Affordable rates mean reduced financial strain.
• Predictable Planning: Locking in stable rates allows buyers to plan long-term budgets confidently.
• Increased Borrowing Power: Lower interest rates can increase what buyers are eligible to borrow.

Buyers are encouraged to collaborate with financial advisors to explore options and secure the best mortgage deals early on.

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Steady growth in house prices encourages strategic purchasing

After rapid increases, house prices are now rising more slowly. Rightmove's 2025 forecast predicts a modest 3% increase in average house prices, benefiting both buyers and sellers.

For Buyers: There is reduced pressure to rush, allowing for thorough market research.

For Sellers: Steady price increases mean that selling continues to be a profitable option.

This stability makes the property market accessible while still providing long-term investment potential.

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Support for homebuyers from the Government in 2025

The UK government is launching initiatives to assist buyers, especially those who find it difficult to enter the property market. These measures include:

Mortgage Guarantee Scheme:

Proposals for a permanent scheme aim to make it easier for buyers with small deposits to access mortgages.

Energy Efficiency Grants:

Under the ‘Warm Homes Plan,’ grants and low-interest loans will be available for energy-efficient upgrades like solar panels and improved insulation. These upgrades can reduce energy costs in the long term while increasing property value.

Support for Domestic Buyers:

New policies aim to prioritise domestic buyers over international investors, ensuring more opportunities for UK-based purchasers.

These initiatives are crucial in breaking down barriers to entry and boosting affordability, particularly for individuals grappling with the current economic climate.

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Economic strength boosts market confidence

As begin 2025, the economic outlook for the UK is positive. Increasing wages and stable employment rates are boosting confidence in the housing market.

What this means for buyers:

• Lenders are increasingly willing to provide more competitive mortgage terms.
• A stable economy fosters a strong market, lowering downturn risks.

Halifax reports that buyer sentiment is expected to stay positive as the economy continues to stabilise.

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Preparing to buy property in Kent in 2025

While 2025 presents numerous advantages, succeeding in the property market requires careful preparation. Here are ways to seize the opportunities ahead:

Understand Your Finances:

• Review your credit score.
• Save for a deposit (5 – 20% of the property’s value is typical).

Research the Market:

• Identify areas with good growth potential.
• Compare prices to ensure you’re getting value for money.

Work with Experts:

• Seek advice from an estate agent and speak with mortgage brokers.

Consider Energy Efficiency:

• Look for homes with green upgrades, which may reduce running costs and increase future resale value.

Act Strategically:

• Plan your timeline to avoid peak competition periods like spring.

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What next?

The year 2025 appears to be a promising time to purchase property. With a balanced supply and demand, favourable mortgage rates, and supportive policies, the conditions are ideal for finding your dream home. By preparing strategically and seeking expert advice, you can fully take advantage of the opportunities available in the 2025 property market.

Ready to explore your options? Get expert advice, personalised recommendations, and the support you need to make your move with confidence.

Contact Quealy & Co on 01795 429836 or email hello@quealy.co.uk .

You can also use our instant online valuation tool if you want a ballpark figure of your home's value to sell or to let: Click here .