Is Now a Good Time to Buy? Understanding the 2025 Mortgage Market
If you’ve been thinking about buying a home in 2025, you’ve probably asked yourself the big question: “Is now a good time to buy?” With so much change in the property and mortgage markets over the last few years, it’s completely natural to feel unsure. The truth is, there’s no one-size-fits-all answer — but understanding the current landscape can help you make a confident decision that suits your situation.
Mortgage Rates: Are They Coming Down?
After a period of higher interest rates in 2023 and 2024, the market in 2025 is showing early signs of stabilising. The Bank of England’s base rate has started to level off, and some lenders have begun to reduce fixed-rate deals slightly as inflation continues to cool.
That means while rates may not yet be back to the historic lows of a few years ago, they’re far more predictable — giving buyers more confidence to plan ahead.
House Prices in Kent and Beyond
Across Kent and the South East, house prices have softened slightly, creating opportunities for buyers who were previously priced out. Many sellers are more realistic about pricing, especially in slower-moving areas.
For first-time buyers, that means you may not need as large a deposit as you did a year or two ago, and there’s less competition from cash-rich investors.
For those moving up the ladder, it’s a balanced market — while you might sell for a bit less, you’re also likely to buy your next home at a better price.
The Bigger Picture: Why It’s About Personal Timing
While market trends matter, the best time to buy often comes down to your personal circumstances:
Do you have a secure income and a good deposit saved?
Are you planning to stay in the property for a few years?
Can you comfortably afford repayments even if rates rise slightly?
If the answer is yes, then waiting for the “perfect” time could mean missing out on the right home — and the opportunity to start building equity.
Remortgaging and Future Opportunities
Even if you buy now and rates fall further later, you’re not locked in forever. Many buyers choose shorter fixed terms or look to remortgage when the market shifts. An independent mortgage broker can help you find flexible deals that suit your future plans.
Why Independent Advice Matters
With so many lenders, products, and rate types available, independent brokers (like us at Keevelia Mortgage Solutions) can help you make sense of it all. We look at your full financial picture and search the whole market to find a mortgage that fits — whether you’re a first-time buyer, moving home, or remortgaging.
Final Thoughts
So, is now a good time to buy? For many, the answer could be yes — as long as it’s the right time for you. With rates stabilising, more realistic property prices, and expert guidance on hand, 2025 could offer a real window of opportunity.
If you’re thinking about buying in Kent or anywhere nearby, Keevelia Mortgage Solutions can help you explore your options and make a confident move in today’s market.
Don’t wait for the “perfect” time — wait for the right time for you. The sooner you start planning, the more options you’ll have when the opportunity arises.
Book your FREE 30 minute consultation here: https://link.keeveliamortgagesolutions.co.uk/widget/bookings/kms