Interest Rate Cut: Big Boost For Buyers, Sellers & Investors

 

The Bank of England’s recent decision to reduce the base interest rate from 5.25% to 5% is big news! It could mean a real opportunity for homeowners, buyers, and investors alike.

So, what does this actually mean if you're thinking about moving, investing, or stepping onto the property ladder in Kent?

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Mortgages Just Got That Bit More Manageable

Lower interest rates generally lead to lower mortgage rates, and that’s good news all around. If you’re a first-time buyer, this change could bring monthly repayments down, helping you take that all-important first step into homeownership. With lower borrowing costs, homeownership becomes more achievable for many, something we’re always pleased to see here at Quealy & Co.

For those already on variable-rate mortgages, this is a welcome relief. A drop in rates means more money staying in your pocket each month – money that can be used to save, invest, or simply ease the cost of living.

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A Boost for Investors And Developers

The new rate makes UK property even more attractive to investors, both here and abroad. Lower finance costs can improve rental yields and make it easier to grow a property portfolio. And with more confidence in the market, we expect to see activity picking up in the coming months.

Developers, too, will benefit from more accessible financing. That could mean more homes being built, helping to meet the ongoing demand and support a healthy, balanced property market – something that benefits us all.

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A Healthier, More Active Market

When borrowing becomes more affordable, more people are encouraged to buy – and that’s what helps get the market moving. Homes tend to sell quicker, and prices remain strong. This kind of movement is positive for both buyers and sellers, and we’re already seeing an increase in enquiries from those looking to take advantage of the change.

At Quealy & Co, we’re here to guide you through every step – whether you’re buying your first home, moving up the ladder, selling, or investing. We know the local market inside out, and we’re on hand to offer honest, expert advice tailored to your goals.

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What Buyers Can Expect This Autumn

Autumn 2025 brings a more balanced market, which is great news if you’re thinking of buying a home in Kent.

More Choice: With more properties coming to market and less buyer competition than in summer, you’ll have greater flexibility to find the right home, without the rush.

Better Mortgage Deals: The recent interest rate cut to 5% means improved mortgage affordability, especially on fixed-rate products.

Sellers Are More Open: Autumn sellers are often motivated to move before year-end, making this a great time to negotiate on price or terms.

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Need Help Navigating The Autumn Market?

Get in touch with Quealy & Co, we’re here to guide you with honest, local advice. Just give us a ring at 01795 429836 or drop us an email at hello@quealy.co.uk.

For a quick online valuation of your home's market value, whether you're selling or letting: Click here.