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Mortgage Rate Trends: What to Expect in 2025

Mortgage Rate Trends: What to Expect in 2025

With inflation stabilising and interest rates expected to ease, could 2025 be the year for buyers to secure a better mortgage deal?

After a turbulent few years, there’s cautious optimism that mortgage rates could start to fall - but what does this mean for buyers, homeowners, and investors?

Experts suggest that fixed mortgage rates could start to come down as lenders adjust to a more stable economic climate. This could be good news for first-time buyers who have been struggling with affordability, making it easier to secure a competitive deal and get onto the property ladder. Lower rates may also bring back confidence in the housing market, potentially increasing demand and giving sellers more opportunities.

For homeowners nearing the end of their fixed-term deals, there’s hope that remortgaging will become more affordable than it has been over the past couple of years. If rates do fall, those looking to refinance could secure a better deal than they might have in 2023 or 2024. Meanwhile, property investors, who have faced challenges with rising costs, may find buy-to-let mortgages becoming more attractive again.

If you’re considering a move, whether it’s buying your first home, remortgaging, or investing, now is the time to start planning. Speaking to a mortgage broker could help you navigate the changing landscape and find the best deal for your circumstances.



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