The UK property market is showing signs of cautious optimism, with a modest rise in asking prices and increased buyer activity, despite regional disparities and looming tax changes. Here's a breakdown of the latest insights from the Rightmove House Price Index September 2025.

Headline Stats:

Average asking price: £370,257 (up 0.4% month-on-month, down 0.1% year-on-year) 

Sales agreed: Up 4% year-on-year 

Mortgage rates: Average 2-year fixed at 4.52%, down from 5.03% in August 2024 

Buyer affordability: Improving due to static prices, falling rates, and rising wages

Regional Market Trends

South of England: Underperforming with a 9% increase in housing stock Longer selling times and competitive pricing London prices remain flat, with buyer caution due to tax speculation

North West: Leading the charge with 3.2% annual price growth Strong demand and quicker sales

Midlands and South West: Experiencing slight annual price declines Sellers adjusting expectations to meet buyer budgets

Sector Breakdown:

Tax Rumours Stir Uncertainty:

With speculation around a new property tax potentially replacing Stamp Duty, buyers especially in London, where 59% of sales exceed £500,000 are watching the Autumn Budget closely. While no immediate market reaction has occurred, sentiment is cautious.

What This Means for Sellers and Buyers

Sellers:

In today’s market, particularly in the South of England, pricing your property competitively is more important than ever. With buyers becoming increasingly value-conscious, a realistic asking price can significantly improve your chances of attracting serious interest.

Don’t just focus on price highlight the lifestyle benefits and affordability of your area. Whether it’s excellent transport links, good schools, green spaces, or a vibrant local community, these are the features that can help set your home apart and drive buyer engagement.

Start uploading your property to sell today from just £205 here

Buyers: 

If you're a buyer, this is a good time to explore your options especially as more realistic pricing returns to the market. While house prices remain resilient, sellers are generally more open to negotiation than in previous years.

Make sure you’re financially prepared by getting your mortgage in principle sorted early, and be ready to move quickly on the right property. With more listings coming onto the market and competition steady, you might just find the right home at the right price.

Take advantage of improved mortgage rates and negotiate wisely. 

Landlords and Investors: 

The market continues to offer solid opportunities for landlords and property investors, particularly in high-demand rental areas such as the North West, Midlands, and commuter towns surrounding major cities. With rental yields holding steady and tenant demand remaining strong, well-priced properties can deliver good long-term returns.

Now is also a great time to review your portfolio or consider expanding into areas that offer growth potential and strong rental performance. Look for properties near universities, transport hubs, or regeneration zones for maximum impact. Monitor tax developments and regional performance for portfolio decisions. 

Start searching for your next home or investment here 

Maximising Your Property Search: Tools, Locations & Investment Opportunities

Whether you're a first-time buyer, seasoned investor, or just browsing the market, making the most of your property search involves more than just scrolling through listings.

To help streamline the process, we’ve brought together some useful tools and highlighted key opportunities in sought-after areas like London and the North West.

Plan Your Budget with Our Mortgage Calculator

Before diving into the details of your dream home or investment property, it's essential to understand your budget. Our easy-to-use mortgage calculator helps you estimate monthly repayments, so you can search with confidence and clarity. Simply enter the loan amount, interest rate, and term to get a clear picture of what’s affordable for you.

Not Sure What Your Property is Worth?

If you're thinking of selling, or just curious about your home’s current value, try our property valuation tool. It provides a quick, no-obligation estimate based on local market trends, recent sales, and your property’s features perfect for setting realistic expectations before listing.

Spotlight on London Listings

London remains one of the UK’s most dynamic property markets, offering everything from chic city apartments to spacious family homes. Explore our curated selection of London listings, updated daily to bring you the best on the market  whether you’re buying, renting, or investing.

Final Thoughts

Despite regional differences, the UK property market continues to show resilience. While annual prices have dipped slightly driven largely by slower activity in the South buyer demand remains steady, supported by improved mortgage rates and a wider choice of properties.

Sellers should focus on competitive pricing and clearly communicating the value and lifestyle benefits of their home, especially in more saturated markets. Buyers and investors, meanwhile, can take advantage of current affordability and stronger regional performance in areas like the North West.

By making use of the tools and insights available from calculating your mortgage to identifying hotspots like London and the North West you can approach your property journey with greater confidence and efficiency.

With the potential for tax changes in the upcoming Autumn Budget, staying informed and proactive will be key to making the most of the current market conditions.

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