When estate agents across the UK predict continued growth, that optimism often signals opportunity.
Recently, surveys showed that 76% of agents believe the property market will continue improving in 2025, citing rising mortgage approvals and renewed buyer demand.
But what does that mean for you, whether you’re buying, remortgaging, or planning your next move? Here’s what to watch, and how to use this momentum to your advantage.
1. Increased Buyer Confidence = More Competition
As more buyers enter the market, desirable properties may attract multiple offers.
What you can do:
- Be mortgage-ready: have your Agreement in Principle (AIP) lined up
- Know your upper limit so you don’t overbid
- Stay patient – don’t let FOMO push you into a bad deal
2. Lenders Become More Aggressive with Deals
With more demand, lenders often respond by offering more competitive rates and loosening criteria (within reason).
What you can do:
- Keep an eye on lender rate shifts
- Be ready to move quickly if a favourable deal opens up
- Work with a broker who tracks “unadvertised” or exclusive offers
3. Be Aware of Price Growth / Affordability Squeeze
If prices rise faster than wages or rate falls, borrowing capacity can be squeezed.
What you can do:
- Prioritise properties just under your ceiling to leave breathing room
- Factor in all costs, not just mortgage payments
- Consider 2-year fixed options or shorter-term deals to stay flexible
4. Remortgagers Might Be in Prime Position
If you’re nearing the end of your fixed deal, this market optimism could work in your favour:
- You could refinance into a better-rate deal if competition pushes rates down
- Try locking in deals early before pricing shifts again
5. Act With Strategy – Don’t Rush
Optimism is powerful, but moving hastily can lead to mistakes.
- Use the momentum but stick to your criteria
- Prioritise long-term sustainability over short-term trends
- Consult a broker who knows local markets (e.g. Nottingham)
Estate agents’ optimism for 2025 signals that the property market may be entering a positive phase. But optimism alone won’t guarantee success – the wins go to the prepared.
If you’re ready to capitalise on market shifts, whether buying or remortgaging, talk to us at Your Mortgage Shop. We’ll help you turn that possibility into reality.
Contact us today to explore your options or get an up-to-date market analysis.
