Why winter could be your golden ticket into the property market
The UK property market is full of opportunities at any time of the year.
However, every season has its positives, and winter is no exception. So, what are they? And why else could this winter be your chance to move?
More competitive mortgage deals
This winter is looking a lot better than last year when it comes to getting a good mortgage deal. Better mortgage deals mean lower monthly mortgage repayments. Waiting to move can be agonising, especially when the opportunity to buy the home you really want passes you by. Now that better deals are here, the waiting is over, and buyers have a better chance of securing the property they have wanted for so long.
Favourable market conditions
During the summer, the number of sellers entering the market increased by 5% compared to the same period last year.* This is due to increasing confidence. The market is also showing positive signs in terms of pricing. House prices are strong and healthy, providing excellent value without becoming overinflated. This means sellers and buyers get a good deal.
Motivated buyers
Over the winter months, some homemovers hibernate, leaving those who are serious about moving remaining in the market. That means potential buyers viewing your home are highly motivated. So, if you are selling your property, you may receive an offer more quickly than you expected. Some sellers may delay their moves until the spring, which could make it easier for a buyer to discover your home.
First time buyer schemes
The First Homes Scheme can allow some first-time buyers to get on the property ladder with 30%–50% discounts.** Some councils may have different criteria, but the good news is that this applies to both newly built homes and those previously purchased through the scheme. The mortgage guarantee scheme is also in place, which can help first-time buyers get on the property ladder with a 5%** deposit.
Potentially less competition
Winter creates a desire to curl up in front of the fire and relax. With fewer buyers venturing out in the cold you may have less competition when making an offer. While other potential buyers are snoozing, your offer might be accepted, and you could finally get the keys to your dream property. That said, there are many buyers who are looking to find a home before Christmas or in the New Year to make a fresh start.
Making an early start
Winter is long but can quickly pass by, just like many of life’s opportunities. The run-up to Christmas, the New Year, and the approaching spring stand out in our minds as good times to enter the property market. Whenever you choose to move, making an early start always helps. Then, when the right property appears, you are already well on your way. Understanding the value of your property and keeping an eye on listings is an excellent starting point.
Booking a valuation could be your golden ticket to a better property
Rightmove*
GOV.UK**
This article was originally published by BriefYourMarket and is reproduced here with their permission.
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