Key Questions to Ask Yourself Before Making a Move
If you’re thinking about buying before the end of 2025, you’re not alone. With the year nearly over, many people are asking whether now is the right time to buy or if it’s better to wait for 2026. In this blog, we’ll help you weigh up the options.
Many people across the UK are wondering: Is now the right time to buy a home? With only three months left, it’s natural to feel a sense of urgency. You might be hoping to secure a mortgage rate before potential changes in 2026, take advantage of year-end opportunities, or simply tick “buy a home” off your list before the new year begins.
But is buying a property before the end of 2025 the right decision for you? In this guide, we’ll break down the key things you need to consider so you can make a smart, confident move (or choose to wait, without regrets).
1. Can You Afford the Total Cost and the Timeline?
Before you get swept up in a year-end rush, make sure you’re financially and practically ready to move. Buying a home isn’t something to squeeze into a calendar window without full preparation.
You’ll need to factor in:
- Deposit – at least 5–10% of the property value
- Stamp Duty – unless you’re a first-time buyer below the threshold
- Legal fees – for your solicitor or conveyancer
- Mortgage fees – including arrangement and valuation costs
- Moving costs – removals, new furnishings, and setup expenses
In most cases, the conveyancing process alone takes 8–12 weeks, so if you’re hoping to complete before 2026, you’ll need to move quickly.
2. What’s Happening with Mortgage Rates?
Mortgage rates in 2025 have gradually settled following the volatility seen in previous years. Many buyers are now opting for fixed-rate deals to lock in some peace of mind especially ahead of potential policy or economic changes in 2026.
Some lenders are still offering competitive deals for buyers with strong applications but rates can vary widely depending on your credit history, income, and deposit size.
Tip: If you’re looking to move before year-end, speak to a mortgage advisor now to secure a deal before rates potentially rise again in the new year.
3. Are You Emotionally and Logistically Ready?
Beyond finances, ask yourself:
- Have you been pre-approved or checked your borrowing potential?
- Do you have your paperwork ready (ID, payslips, bank statements)?
- Are you confident in the area and type of home you’re looking for?
Buying a home under time pressure can be stressful. But if you’re prepared and know what you want, there may still be time to complete before 2026 especially if you’re chain-free or buying a new build.
4. Are There End-of-Year Opportunities?
The last few months of the year can sometimes bring unique opportunities:
- Sellers keen to move before the holidays may be more flexible on price
- Developers may offer incentives on new-builds to hit end-of-year targets
- Less competition from other buyers can improve your negotiating position
But don’t assume these apply to every property. Your mortgage advisor and estate agent can help you spot realistic opportunities without rushing into the wrong deal.
5. Have You Explored All Buying Schemes?
Even this late in the year, it’s worth checking if you’re eligible for:
- Lifetime ISAs (LISAs) – especially for first-time buyers
- Shared Ownership schemes
- The First Homes scheme – offering discounts to key workers and locals
Understanding the schemes available can make a big difference in affordability even if you’re buying a home before the end of 2025
6. Should You Wait Until 2026?
There’s no crystal ball, but here’s what to consider:
Reasons to wait:
- More time to build a bigger deposit
- Potential interest rate changes in your favour
- Opportunity to improve your credit score or reduce debt
Reasons to act now:
- Locking in a current fixed rate
- Taking advantage of less competition in the market
- A personal need to move (family, job, lifestyle)
Ultimately, timing the market isn’t everything, being financially and emotionally ready matters more.
Final Thoughts
Should you buy a home in the last months of 2025? It depends on your circumstances but with the right preparation and support, there’s still time to make it happen.
The key is to move with purpose, not panic. If the numbers work, your paperwork is ready, and you’ve found the right home, you could be welcoming the new year in your new place.
Your Home may be Repossessed if you do not keep up repayments on your mortgage