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to improve affordability. But the picture isn’t the same everywhere. Northern regions and parts of the Midlands are seeing stronger gains, while prices in some higher-value areas in the South have levelled off or even slipped. This variation creates opportunities for well-informed buyers to negotiate and secure good value. In 2025, buyer demand is gradually returning. Easing mortgage rates, rising rents, and more realistic pricing from sellers are helping to unlock movement. Homes are still selling, especially when well-presented and sensibly priced, but the rush has eased. For police officers and staff, this presents a sweet spot: less competition, more breathing room, and the ability to make considered choices without being outpaced by frenzied bidding. It’s a market where preparation and timing really can pay off.
MORTGAGE AVAILABILITY: MORE OPTIONS, BETTER DEALS The good news is that lenders are open for business. After the chaos of 2022, when hundreds of mortgage products were suddenly withdrawn, the market has bounced back with a wide range of options. For first-time buyers, there’s been a real boost. There are now more 5 per
cent and 10 per cent deposit mortgages available than at any point in the last 15 years. Some lenders are also offering mortgages with deposits as low as £5,000, and even 100 per cent mortgage options for renters who can demonstrate a strong 12-month payment history — provided they haven’t owned a home in the last three years. Remortgagers also benefit from added flexibility. If your fixed deal is coming to an end, many lenders allow you to secure a new rate up to six months in advance. This gives you time to compare offers and avoid an automatic switch to your lender’s higher standard variable rate.
• Stamp Duty: As of April 2025, the temporary discount has ended,
GOVERNMENT SUPPORT: WHAT’S STILL AVAILABLE? There have been some big changes to housing policy in recent years, but there are still schemes that can help.
• 95 per cent Mortgages: The government’s Mortgage Guarantee
meaning the 0 per cent tax threshold is now £125,000 (or £300,000 for first- time buyers). Most buyers will need to factor this cost back into their budget.
Scheme is still in place until at least mid-2025, helping buyers with small deposits access competitive rates.
• Lifetime ISAs: Still one of the best ways to save for a deposit — you get a 25 per
• Forces Help to Buy: If your partner is serving in the armed forces, you
cent government bonus on contributions of up to £4,000 per year, which can be used for your first home.
may be able to benefit from this scheme, which allows service personnel to borrow up to £25,000 interest-free to put towards a deposit or associated costs. It’s a valuable option for dual-service households or those with military spouses.
THE BOTTOM LINE
The UK housing market in 2025 is neither booming nor busting, and that’s no bad thing. With interest rates easing, house prices stabilising, and lenders keen to lend, the market is offering real opportunities for well-prepared buyers. But preparation is key. Having the right
guidance, the right paperwork, and the right partner on your side can make all the difference.
Call Quick Mortgages on 0121 661 46 76 and download their Mortgage Guide for police here >
39 | POLICE | JUNE | 2025
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