Welcome to our February 2026 edition

Welcome to our February 2026 edition




Labour hosebuilding targets 2024

 



Situated on the sought-after Oak View Road Development in Wadebridge, this three-bedroom end terraced property presents a fantastic opportunity for first-time buyers, families, or anyone looking to call the wonderful...

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This historic 17th-century public house, once known as The White Hart and now formally knows as The Laurels Inn, sits at the heart of the village next to the church. Over the years, it has served various roles, including as a...

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The UK property market has a lot going for it thanks to a year in which mortgage rates finally dropped and confidence replaced uncertainty. This encouraged buyer demand, and the number of sales agreed increased by 25% on the previous year.* If you're considering relocating in 2025, there are numerous compelling reasons to get started. Here are 10 reasons to buy in 2025. 

 

Fair pricing  

House prices did not skyrocket in 2024, rising by an average of 1% compared with 2023.* This means you will not pay through the nose and get the house you want at a fair price, and the earlier you start, the better.  

 

Achieve a good selling price  

You will also get a good price for your current home, which will have likely enjoyed excellent increases in value over the years. Strong levels of demand mean you will not be left waiting around for a buyer.  

 

Good mortgage deals  

Mortgage rates improved during 2024, and the good news is this is set to continue in 2025. Now that we are getting closer to a settling point and have not fallen to the previous unsustainably low levels, the market sentiment is one of ‘move now. 

 

 

Move up  

If you are moving up or selling up, buying is always worth considering when the market is on the up. The conditions for moving up the ladder are ideal, creating a real window of opportunity in 2025. 

 

Fabulous choice  

Fabulous properties are appearing in every county and almost on every street, increasing your chances of finding what you want. This is boosted further with some second homeowners and landlords selling up.  

 

No elections  

Unless something rather unpredictable occurs, 2025 does not have to contend with the uncertainty that a general election can bring. This means you can focus on any tax or buying advantages the government offers.  

 

Good timing  

Making an early start has numerous benefits. Many sellers are already placing their homes on the market in December in anticipation of the Boxing Day Boom and the January rush, not forgetting the early build up to the spring market.  

 

Start your future  

With future growth levels appearing to be favourable, investing in your future now could be a good move. Investing in property can help secure your future while providing the perfect setting to enjoy so many magical moments. 

 

Less stress more certainty  

More certainty means less stress. Moving home is a big decision, but the right guidance prevents niggling worries from becoming big concerns. You will have many questions, and the answer to all of them is to use good property professionals. 

 

It’s easier  

Evolving technology that connects you to the right homes that allows virtual viewings to virtually all you will ever need during your move, makes the buying process easier. Agents in 2025 will combine tech with local expertise to give you better service. 

 

Buying or booking a valuation? Contact us for guidance  

 

October Zoopla HPI* 



How to minimise wear and tear in your rental property without overspending

 

Keeping a rental property in good condition is essential for maintaining its value and attracting quality tenants. However, regular use naturally leads to wear and tear, and constant repairs or replacements can become costly. For landlords, the key is to minimise damage while keeping expenses under control. Here are some practical and cost-effective ways to reduce wear and tear in your rental property without overspending. 

 

Choose durable materials and finishes 

Investing in high-quality, durable materials for flooring, walls, and fixtures can reduce the need for frequent replacements. Hard-wearing laminate or vinyl flooring is a cost-effective alternative to carpets, as it is easier to clean and less prone to damage. Walls painted in washable, scuff-resistant paint allow for easy maintenance, reducing the need for frequent repainting. Opting for sturdy, low-maintenance kitchen units and bathroom fittings also helps minimise wear over time. 

 

Set clear expectations with tenants 

A well-informed tenant is more likely to take care of the property. Providing a clear tenancy agreement that outlines maintenance responsibilities, such as keeping carpets clean and reporting issues promptly, encourages tenants to look after their home. A simple guide on how to care for appliances, heating systems, and ventilation can also prevent unnecessary damage caused by misuse. 

 

Use protective measures in high-traffic areas 

Simple, affordable additions can significantly reduce wear in areas that experience the most use. Doormats at entrances help prevent dirt and grit from damaging flooring, while fitted furniture pads protect wooden or tiled floors from scratches. Installing door stoppers and kick plates can prevent damage to walls and skirting boards, reducing the need for repainting and repairs. 

 

Carry out regular inspections and maintenance 

Regular inspections allow landlords to catch small issues before they become expensive problems. Spotting early signs of damp, leaks, or damage gives you the chance to address them before they lead to costly repairs. A scheduled maintenance check every few months helps keep the property in good condition and reassures tenants that issues will be dealt with promptly. 

 

Provide quality fixtures and fittings 

While it may be tempting to furnish a rental property with budget-friendly items, poor-quality fixtures can break easily and require frequent replacement. Investing in sturdy door handles, strong curtain poles, and reliable kitchen appliances can save money in the long run by reducing the need for repairs. Choosing neutral, timeless designs also helps prevent the need for frequent updates due to changing trends. 

 

Encourage responsible tenant behaviour 

Encouraging tenants to report maintenance issues as soon as they arise can prevent minor problems from turning into expensive repairs. Providing a simple process for reporting issues and responding quickly to repair requests builds a positive relationship with tenants and helps keep the property well-maintained. Offering incentives for long-term tenants who take good care of the property, such as minor upgrades or professional cleaning, can also be beneficial. 

 

Limit excessive wear with smart furnishing choices 

For furnished rentals, choosing stain-resistant fabrics for sofas and chairs, and using wipeable surfaces for dining tables and worktops, can help keep furniture in good condition for longer. If you provide a washing machine, consider installing a filter to prevent damage from limescale and debris. Simple choices like these can significantly extend the lifespan of furnishings without increasing costs. 

 

Use a professional end-of-tenancy clean 

At the end of each tenancy, having the property professionally cleaned can help prevent long-term damage. Deep cleaning carpets, appliances, and bathrooms keeps them in good condition and makes it easier for new tenants to maintain the property. Some landlords include professional cleaning as a requirement in the tenancy agreement, ensuring the property is returned in good condition. 

 

Protect your investment cost-effectively 

Reducing wear and tear does not have to be expensive. By choosing durable materials, setting clear expectations, and maintaining the property proactively, landlords can keep their rental homes in excellent condition without overspending. A well-maintained property attracts responsible tenants, reduces repair costs, and helps ensure a long-term, profitable investment.  

 

Contact us today for practical solutions to protect your property investment 

 

 



Tips to make your offer more attractive to sellers without overpaying

 

In today’s competitive property market, securing the home you want requires more than just making a high offer. Sellers consider multiple factors when choosing a buyer, and a well-structured, appealing offer can give you the edge without stretching your budget too far. Here are some key strategies to make your offer stand out while ensuring you pay a fair price. 

 

Get your finances in order 

Sellers prefer buyers who can move quickly and with confidence. Having a mortgage agreement in principle (AIP) shows that you are financially prepared and serious about buying. If you are a cash buyer, making this clear in your offer strengthens your position, as sellers often favour buyers who do not rely on mortgage approval. 

 

Be flexible with your timeline 

A seller’s ideal buyer is someone who fits their moving plans. If they need a quick sale, being ready to proceed without delays can put you ahead of the competition. On the other hand, if they need extra time to find a new home, offering flexibility on move-in dates could work in your favour. Asking the seller about their preferred timeline and accommodating their needs can make your offer more appealing. 

 

Keep your offer clean and simple 

Avoid adding unnecessary conditions that could slow down the process. Sellers may be put off by offers that are dependent on selling another property or subject to extensive surveys and delays. A straightforward offer with fewer contingencies reassures the seller that the sale is less likely to fall through. 

 

Establish a good relationship with the seller 

Property transactions are not purely financial. Sometimes sellers favour buyers they feel a connection with. Expressing why you love the property and how you plan to care for it can create goodwill. This is especially effective when sellers have an emotional attachment to their home. 

Work with a reliable estate agent 

A well-regarded estate agent can present your offer in the best light and highlight your strengths as a buyer. If you are working with a trusted agent, they can communicate your seriousness and financial readiness to the seller’s agent, giving you a competitive edge. 

 

Show you are ready for a smooth transaction 

Being prepared with all necessary documents, such as proof of funds and solicitor details, demonstrates that you are serious and ready to move forward. Sellers and agents appreciate buyers who are organised and can proceed without unnecessary delays. 

 

Win the offer without overpaying 

Securing a property does not always mean offering the highest price. A well-prepared, flexible, and confident approach can make your offer more attractive without exceeding your budget. By presenting yourself as a strong, reliable buyer, you increase your chances of getting the home you want without paying over the odds. 

 

Need expert advice on making a winning offer? Contact us Bond Oxborough Phillips for guidance on navigating the buying process successfully 

 



The prediction problem

Every December, property predictions arrive promising certainty about next year's market. Buyers will flood back. Interest rates will stabilise. Then reality happens, shaped by factors nobody predicted, leaving sellers who believed the forecasts scrambling to adjust strategy mid-sale.

Here's what matters more than predictions: understanding which market forces will actually affect your sale, regardless of whether prices rise or fall. Successful 2026 sales won't come from guessing market direction - they'll come from positioning your property correctly for the market that exists.

The affordability reality reshaping buyer behaviour

Mortgage rates have fundamentally changed what buyers can afford. This shift isn’t temporary noise - it’s a permanent recalibration. Buyers who stretched their budgets in 2021 cannot replicate those purchases in 2026 without major income or deposit increases.

For sellers, this means pricing based on 2021-era affordability will leave properties unsold. The market isn’t returning to previous borrowing levels. Pricing must reflect what today’s buyers can realistically secure.

The location preferences that changed permanently

Remote work has reshaped buyer priorities. Commute proximity no longer commands the premiums it once did. Properties that thrive in 2026 will offer lifestyle value: garden space, home office potential, usable layouts, and meaningful local amenities.

If your primary selling point is a quick commute, that’s a weaker position than it was five years ago. Buyers now pay for daily living quality, not theoretical return-to-office convenience.

The first-time buyer market that's actually growing

Higher interest rates haven’t eliminated first-time buyers - they’ve shifted their focus. These buyers now target smaller homes, lower price brackets, and emerging outer areas. They have deposits saved, mortgage approvals ready, and realistic expectations.

For sellers of starter homes, 2026 offers strong opportunity. With fewer investors competing, first-time buyers face less pressure and are ready to move quickly when a property is priced correctly.

The energy efficiency factor becoming non-negotiable

EPC ratings now impact mortgage options and running costs directly. Buyers factor energy bills into affordability. Lenders increasingly consider efficiency in lending decisions.

Poor EPC ratings don’t just reduce offers - they restrict the buyer pool. Improving efficiency before listing is no longer optional; it’s essential for saleability.

The chain-free advantage that's worth real money

In uncertain markets, certainty becomes a premium feature. Chain-free sellers attract more buyers, achieve stronger offers, and complete faster. Whether through temporary accommodation or buying before selling, creating a chain-free position gives significant negotiating power.

What sellers who succeed in 2026 understand

Market predictions matter less than market positioning. Successful sales come from pricing reflecting current buyer capacity, emphasising property features that matter to today's buyers, addressing efficiency concerns before listing, and creating transaction certainty wherever possible. 

The sellers struggling in 2026 won't be those who failed to predict market direction. They'll be those who priced for markets that no longer exist, emphasised features buyers don't value anymore, and ignored efficiency factors that now affect mortgageability directly. 

Our team understands current buyer behaviour and optimal pricing strategy - get expert guidance today

 



The winter selling misconception

You’re considering waiting until spring because everyone assumes winter is the worst time to sell. Meanwhile, the small number of sellers who list well-prepared winter properties are capturing motivated buyers, facing minimal competition, achieving sensible prices quickly, and completing their sales while spring sellers enter crowded markets with inflated expectations that slowly adjust downward.

Here’s what separates winter sellers who succeed from those waiting for perfect spring conditions: understanding that winter offers real advantages for properties prepared specifically for the season.

Light your property like winter matters

Winter viewings often happen after dark, meaning lighting determines whether a home feels warm and inviting or cold and gloomy. Replace dim bulbs, brighten hallways, add lamps to darker corners, and use warm white lighting for an inviting atmosphere. Turn the heating on at least two hours before viewings so buyers step into genuine warmth, not lukewarm rooms.

Present winter honestly, not defensively

Remove summer garden photos that mislead buyers and replace them with realistic, well-presented winter images. Keep outdoor areas tidy: sweep paths, clear dead plants, clean windows, and empty gutters. A winter garden doesn’t need to look lush - it needs to look maintained. Indoors, use subtle winter styling such as soft throws and warm textures to create comfort without overwhelming the space.

Address the problems winter exposes

Condensation, damp patches, and mould aren’t “just winter” - they signal maintenance issues to buyers. Fix ventilation problems, resolve damp sources properly, and eliminate drafts around windows and doors. Buyers mentally deduct thousands for visible defects, and surveys will uncover issues regardless of temporary fixes.

Price realistically for the market today, not the one you hope appears in spring

Winter buyers are serious and motivated. They focus on correctly priced properties and ignore those inflated for spring optimism. Winter listings face limited competition; spring listings face a surge of new supply plus unsold winter stock adjusting downward. Pricing properly now gives far better negotiating strength than waiting for a crowded market.

Your winter selling strategy

Ensure excellent lighting throughout every room and genuine warmth during viewings. Present properties honestly for current season with maintained external areas and appropriate styling. Address visible maintenance issues particularly those winter conditions expose. Price based on current market reality rather than hoped-for spring improvements. 

The sellers achieving strong winter sales understand that seasonal preparation matters as much as general presentation, and properties styled specifically for winter viewing conditions stand out when buyers are actively searching whilst competitors wait unnecessarily. 

Need specific guidance on preparing your property for a successful winter sale? Get expert advice today

 



The selling assumption that costs you offers

You're focusing entirely on highlighting practical features like room sizes, local amenities, and recent improvements, assuming buyers make rational decisions based on objective property merits. Meanwhile, properties selling quickly create emotional connections that make buyers envision their lives there, whilst rational presentations feel sterile and forgettable regardless of how impressive the specifications appear on paper.

Here's what separates homes that generate immediate offers from those sitting on market for months: understanding that buyers choose with emotions then justify with logic, meaning your property must create desire before practical features matter, and emotional connection happens within minutes of entering properties, not through lengthy feature lists.

Create immediate warmth and welcome

First impressions determine whether buyers open their hearts to your property or view it as just another house to assess critically. Ensure your entrance feels welcoming through quality lighting, fresh paint, and clear pathways that suggest care and attention rather than maintenance neglect or unwelcoming approaches.

Natural scents from fresh flowers, subtle baking aromas, or clean fresh air work better than artificial fragrances that buyers interpret as attempts to mask problems. Authentic welcoming atmosphere beats manufactured attempts at appeal because buyers sense genuine versus staged environments immediately.

Temperature matters enormously for emotional comfort. Properties feeling genuinely warm during winter or pleasantly cool during summer create physical comfort that translates to emotional warmth, whilst uncomfortable temperatures prevent emotional connection regardless of other positive features.

Enable lifestyle visualisation

Buyers don't purchase properties; they purchase imagined futures in those spaces. Style rooms showing how life happens there rather than showcasing furniture or décor that prevents buyers visualising their own belongings and activities in those spaces.

Dining tables set for family meals, reading nooks with comfortable seating, home office spaces suggesting productivity, and bedrooms arranged for rest and relaxation help buyers imagine their daily routines rather than admiring your interior design choices that won't remain after sale.

Children's toys, family photographs, and personal collections make spaces feel lived-in but prevent buyer visualisation. Strike balance between sterile empty rooms that feel unwelcoming and overly personalised spaces that belong clearly to someone else rather than potential new owners.

Highlight emotional benefits over technical features

Instead of describing "three bedrooms and two bathrooms," create stories about "space for growing families" or "peaceful retreats after busy days." Transform "large garden" into "perfect for summer entertaining" or "safe space for children to play." Connect features to emotional outcomes buyers desire rather than listing specifications they can see themselves.

Natural light becomes "bright, cheerful mornings" whilst storage solutions become "organised, stress-free living." Practical features matter, but emotional language helps buyers connect benefits to their happiness and lifestyle aspirations rather than just ticking boxes on requirements lists.

Create sensory experiences throughout

Different rooms should feel distinct and purposeful through lighting, temperature, and subtle sensory details that reinforce their intended functions. Bedrooms feeling calm and restful, kitchens suggesting warmth and gathering, living areas encouraging relaxation and socialising.

Quality lighting transforms how rooms feel emotionally. Harsh overhead lights feel institutional whilst warm, layered lighting suggests comfort and homeliness. Invest in proper lighting that makes spaces feel welcoming rather than relying on basic fixtures that create cold, unwelcoming environments.

Textures matter for emotional connection. Soft furnishings, quality materials, and comfortable surfaces suggest homes rather than houses, whilst hard, cold, or uncomfortable materials prevent emotional warming to spaces regardless of visual appeal.

Address emotional concerns proactively

Buyers have emotional fears about maintenance burdens, ongoing costs, and whether properties will continue feeling positive over time. Demonstrate care and maintenance through details like clean grouting, fresh paint, and quality finishes that suggest problems won't emerge immediately after purchase.

Evidence of thoughtful improvements and ongoing care reassures buyers they're acquiring homes that will enhance rather than complicate their lives. Quality rather than quantity matters for emotional reassurance about property condition and future maintenance requirements.

Your emotional connection strategy

Focus on creating feelings of comfort, safety, and possibility rather than impressing buyers with expensive features or extensive specifications. Enable lifestyle visualisation through strategic staging that shows how life happens in your spaces. Use emotional language describing benefits buyers will experience rather than technical features they can observe.

Address emotional concerns through evidence of care and quality whilst creating sensory experiences that make your property feel like a home rather than just another house to evaluate critically. Remember that buyers choose properties they love then find logical reasons to justify emotional decisions they've already made.

The properties selling fastest create immediate emotional connections that make buyers want to live there, whilst those sitting on market fail to engage buyers emotionally regardless of impressive practical features or competitive pricing that appeals to logical analysis.

Contact staging professionals for emotional connection strategies

 



Property market seasonality traditionally placed spring's start firmly in March, with April and May representing peak activity periods. However, recent years show this timeline shifting earlier, with February increasingly exhibiting spring market characteristics. Understanding why this change occurs and what it means for market participants helps buyers and sellers strategise effectively.

Digital research drives earlier activity

Online property portals have fundamentally changed how people search for homes. Buyers now research extensively online before arranging physical viewings, meaning serious searches begin weeks before contacting agents or viewing properties.

During January, buyers browse listings, research areas, compare prices, and shortlist potential properties from the comfort of home. By February, initial research completes and activity shifts from online browsing to active viewing and offer-making. This digital research phase essentially moves the market timeline forward.

Financial preparation happens earlier

Buyers increasingly arrange finances before serious property searches, obtaining mortgage agreements in principle, checking credit scores, and calculating budgets during the quiet period. January provides ideal timing, allowing buyers to enter the market in February fully prepared to act decisively when finding suitable properties.

Sellers list earlier strategically

Savvy sellers recognise that listing before competition intensifies provides advantages. February listings capture attention from prepared buyers without competing against the flood of properties arriving in March and April. Estate agents encourage early listing, noting that February properties often achieve faster sales and better prices.

Weather becomes less relevant

Modern marketing relies on professional photography, floor plans, and virtual tours, reducing the impact of weather during viewings. Buyers prioritise finding suitable homes over waiting for perfect conditions, aided by hybrid working, flexible viewings, and understanding that searches take months.

Tax year considerations create urgency

The tax year ending in early April creates timing pressures for some buyers and sellers. First-time buyers maximising Lifetime ISA contributions or sellers timing capital gains often need transactions progressing by February to complete in April. Complex chains or extended conveyancing further push activity earlier.

Supply and demand dynamics shift

As more buyers begin searches in February, sellers benefit from strong demand before competition peaks. Properties listed now commonly receive multiple offers and sell within similar timeframes to traditional March listings, demonstrating genuine earlier buyer demand.

Regional variations exist

The February surge is more pronounced in commuter towns and areas with professional buyers. Rural or retirement locations sometimes follow traditional seasonal patterns, where weather and lifestyle factors still influence timing. Understanding local trends helps inform effective buying and listing strategies.

What this means for market participants

Buyers searching in February access properties before competition intensifies, securing homes earlier and benefiting from sellers' full attention. Sellers listing in February capture motivated buyers without competing against numerous alternatives, often progressing to offers before spring's traditional peak activity.

Looking ahead

Earlier market activity appears permanent, driven by digital tools, changed working patterns, and strategic understanding. February increasingly represents spring market conditions, with buyer activity, listing numbers, and transaction volumes resembling March's traditional patterns. Recognising and acting on this shift gives strategic advantages over participants waiting for outdated timelines.

Contact us to discuss timing strategies for your buying or selling plans



The Chancellor's March Budget could include announcements affecting property owners, from stamp duty adjustments to capital gains tax modifications. While specific measures remain unknown until Budget Day, understanding potential changes and preparing strategically now helps you respond effectively.

Potential stamp duty considerations

Stamp duty thresholds and rates periodically face adjustment through Budget announcements. Current thresholds have remained stable, but potential modifications could affect transaction costs for buyers and timing considerations for sellers.

If completing purchases soon after the Budget, obtaining agreements in principle and progressing transactions quickly protects you from potential threshold reductions or rate increases. Conversely, rumours of threshold increases or reliefs might make delaying completions advantageous.

Landlords should remember that additional stamp duty surcharges for second properties already apply. Any Budget changes affecting these surcharges could significantly impact investment property economics.

Capital gains tax speculation

Property investors should monitor capital gains tax (CGT) speculation closely. The Autumn 2025 Budget increased CGT rates on property by two percentage points, but further adjustments remain possible depending on government fiscal priorities.

If considering disposals and rumours suggest CGT increases, completing sales before potential April implementation could save substantial sums. Avoid rushed sales purely for tax speculation unless disposals were planned and timing is flexible.

Document all improvement costs meticulously throughout ownership. These reduce taxable gains when selling, potentially saving thousands. Without proper records, expenses cannot be claimed, increasing tax liabilities unnecessarily.

Mortgage guarantee scheme extensions

Government schemes supporting homeownership, including mortgage guarantees for high loan-to-value lending, may be extended, enhanced, or concluded in the Budget.

First-time buyers who could benefit should research current eligibility and terms now. If enhancements occur, knowing existing versions helps assess whether to wait or proceed under current schemes.

Energy efficiency incentive possibilities

With rental property energy performance standards tightening toward 2030's minimum C rating requirement, Budget announcements might include grants, loans, or tax incentives supporting efficiency improvements.

Landlords should assess EPC ratings and improvement costs now. If support schemes are announced, being prepared allows rapid action before funding is fully allocated. Understanding costs also helps evaluate whether support levels make investments viable.

Preparing property documentation

Ensure all property documentation is current and accessible, including title deeds, mortgage statements, improvement receipts, rental income records, and expense documentation. Landlords should maintain comprehensive records to evaluate quickly how any Budget measures affect portfolio viability.

Financial position assessment

Know your current financial position before Budget Day: available equity, mortgage terms, accessible savings, and potential borrowing capacity. This knowledge allows rapid evaluation of whether announcements create opportunities or require defensive actions.

Professional advice arrangements

Establish relationships with property tax specialists, mortgage brokers, and financial advisers before Budget Day. Professionals face increased demand during announcements, so existing relationships enable quicker access to guidance.

Realistic expectations matter

Budget speculation often proves more dramatic than actual announcements. Governments typically signal major policy changes in advance, allowing markets to adjust gradually. Dramatic surprises are unlikely, though refinements or clarifications are common.

Avoid paralysis through speculation

Don’t halt sensible property decisions waiting for Budget clarity if they make sense under current rules. Properties meeting your needs at fair prices represent concrete opportunities, while speculation involves uncertain outcomes.

Most homeowners and landlords find Budget announcements require modest adjustments rather than complete strategy reversals. Continue planned purchases or sales unless you have clear reasons to believe Budget measures will substantially affect your position.

Contact us to prepare strategically for Budget announcements



The excitement of viewing properties often tempts first-time buyers to start house hunting before completing essential preparation. However, viewing homes without proper groundwork wastes time on unsuitable properties, weakens your negotiating position, and risks losing homes to better-prepared buyers.

Completing these five steps before booking viewings transforms you from a hopeful browser into a serious buyer that sellers and agents take seriously.

One: Obtain an agreement in principle

An agreement in principle from a mortgage lender confirms how much you can borrow and shows sellers that you are financially prepared. It reassures agents and vendors that you can proceed, rather than simply exploring options.

You can apply through a mortgage broker or directly with lenders by providing proof of income, identification, and basic financial details. This usually takes only a few days and results in a certificate valid for several months.

Knowing your borrowing limit prevents wasted viewings on properties outside your reach and avoids disappointment later in the process. Remember, the maximum amount offered isn’t always what you should borrow. Consider affordability, lifestyle flexibility, and future plans.

Two: Clarify your deposit position completely

Understand exactly how much deposit you have available, including savings, Lifetime ISA balances with government bonuses, and any family contributions. This directly affects what you can afford and which mortgage products are available to you.

If family members are helping, confirm whether funds are gifts or loans and when they’ll be available. Lenders require formal documentation for gifted deposits, so clarity upfront avoids delays later.

Also factor in additional costs such as legal fees, surveys, stamp duty if applicable, removals, and immediate expenses after purchase.

Three: Gather required documentation

Mortgage applications involve significant paperwork. Collecting documents in advance allows you to move quickly once you find the right property.

Typically required documents include recent bank statements, payslips or tax returns for self-employed buyers, proof of identification, proof of address, and your National Insurance number. Self-employed applicants may need additional evidence of income stability.

Check your credit reports with all major agencies and resolve any errors early. Issues discovered during applications can delay progress or affect lending decisions.

Four: Research areas thoroughly

Understanding where you want to live saves time and helps you recognise good value. Visit shortlisted areas at different times of day, including commuting hours, to assess travel times, parking, amenities, and overall atmosphere.

Research local property prices and understand typical values for different property types. This knowledge strengthens your confidence when viewing and making offers, helping you avoid overpaying.

Five: Understand Budget and policy context

The March 2026 Budget may include measures affecting first-time buyers. Understanding existing schemes such as Lifetime ISAs, shared ownership, and local authority initiatives allows you to respond quickly to any changes.

Stay informed, but don’t delay house hunting while waiting for announcements that may not materialise. Balance awareness of future policy changes with realistic opportunities available now.

Bringing it all together

Completing these steps takes time, but the payoff is significant. Prepared buyers are prioritised by agents and sellers and are far more likely to secure the properties they want.

When the right home appears, preparation allows you to act confidently and decisively, rather than losing out while organising finances.

Contact us for guidance on completing these essential steps effectively


 



Interior design trends evolve constantly, influenced by lifestyle changes, environmental awareness, and shifting aesthetic preferences. Understanding current trends helps sellers present properties that resonate with buyer expectations whilst helping buyers identify homes reflecting contemporary tastes that will remain appealing for years ahead.

Warm, earthy colour palettes dominate

Cool greys that dominated the past decade are giving way to warmer, more organic tones. Terracotta, warm ochres, soft clay shades, and muted sage greens create welcoming atmospheres that feel grounded and calming rather than clinical or stark.

These earthy palettes work across different design styles from contemporary to traditional, providing versatile backdrops for furniture and accessories. They're also more forgiving than stark whites or cool greys, aging gracefully and hiding minor marks better whilst maintaining sophisticated appearances.

Buyers respond positively to these warm tones during viewings, finding them more inviting than the cool neutrals that can feel impersonal or institutional. Properties decorated in warm earth tones feel like homes rather than show spaces.

Natural materials take centre stage

Wood, stone, linen, wool, rattan, and clay are replacing synthetic materials in thoughtfully designed interiors. This shift reflects growing environmental awareness and desire for tactile, authentic materials that improve with age rather than simply wearing out.

Wooden furniture with visible grain, natural stone worktops, linen curtains, and wool rugs add textural depth and visual interest that synthetic alternatives cannot match. These materials create layered, sophisticated spaces that feel curated rather than simply decorated.

Mixing different natural materials within rooms avoids monotony. Combining smooth plastered walls with rough-hewn wood, pairing polished stone with soft textiles, or contrasting woven rattan with crisp linen creates visual richness and sensory appeal that buyers notice and appreciate.

Curved furniture softens spaces

Sharp angles and strictly geometric furniture are yielding to softer, more organic forms. Curved sofas, rounded armchairs, oval dining tables, and arched mirrors introduce gentle, flowing lines that feel more relaxed and welcoming than angular predecessors.

These softer silhouettes work particularly well in open-plan spaces where they help define areas without harsh visual boundaries. A curved sofa creates natural conversation areas whilst rounded coffee tables improve flow and safety in family homes.

Properties staged with curved furniture during viewings often feel more inviting and contemporary than those with traditional rectangular pieces, helping buyers envision comfortable, stylish living.

Flexible, multi-purpose spaces

How people use homes continues evolving with hybrid working and changing lifestyles. Flexible spaces that adapt throughout the day appeal strongly to buyers seeking homes supporting varied activities without requiring dedicated rooms for single purposes.

Dining tables doubling as workspaces, guest bedrooms incorporating desk areas, and living rooms with defined reading corners demonstrate versatility that buyers value. Properties showing how spaces serve multiple functions help buyers imagine their own flexible usage.

Built-in storage that keeps spaces tidy whilst maintaining aesthetic appeal matters increasingly. Buyers appreciate properties demonstrating clever storage solutions that maintain clean lines whilst providing practical functionality.

Bringing the outdoors in

Houseplants remain popular, but approaches are maturing beyond simply filling surfaces with greenery. Thoughtful plant placement where specimens will thrive and contribute to overall aesthetics creates more successful results than numerous struggling plants scattered randomly.

Large-scale plants like fiddle-leaf figs or monstera make architectural statements, whilst smaller groupings add life to shelving or windowsills. Buyers respond to properties where plants enhance spaces rather than cluttering them.

Beyond living plants, nature-inspired patterns, botanical prints, and natural colour palettes maintain connections to outdoors year-round. These elements create calming, restorative atmospheres that buyers find appealing.

Layered lighting as design element

Lighting extends beyond purely functional necessity to become key decorative element. Statement pendant lights, sculptural floor lamps, and decorative wall lights add personality whilst providing practical illumination.

Buyers notice properties with thoughtfully layered lighting creating flexible atmospheres for different times and activities. Combining overhead lights with task lighting and ambient lamps demonstrates sophisticated understanding of how lighting affects space usability and mood.

Maximalist touches with mindful curation

After years of strict minimalism, decorative expression is returning through thoughtfully curated displays. Gallery walls, displayed collections, and decorative objects create personality and visual interest without overwhelming spaces.

The key difference from previous maximalism is curation. Each displayed item serves a purpose, whether functional, beautiful, or meaningful. Random accumulation creates chaos, but intentional selection creates character that buyers appreciate.

Personal expression over perfection

Perhaps the overarching trend for 2026 is permission to create spaces that genuinely reflect personality and lifestyle rather than rigidly following prescribed styles. Homes that feel lived-in, loved, and personal appeal more than magazine-perfect spaces that don't accommodate real life.

Buyers increasingly seek homes showing character and individuality rather than bland uniformity. Properties demonstrating thoughtful personal touches often generate stronger emotional responses than those stripped of all personality.

Understanding trends strategically

For sellers, incorporating subtle trend elements through accessories, soft furnishings, or minor updates can refresh properties without expensive renovations. For buyers, recognising contemporary features helps identify homes reflecting current tastes that will remain appealing.

Contact us for guidance on presenting or identifying homes with lasting appeal