Foxtons news

Buying

Property market updates

council-tax-street

<h2 class='intro_basic'>Why this summer is the perfect time to buy a property
Let's not beat around the bush – our experts are calling it now: Summer 2025 is shaping up to be brilliant for house hunters, especially with rate cuts on the horizon. But timing is everything in property. So when should you kick off your search? Yesterday would be great.</h2>

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<div class="takeaways-container">
  <h5><big>Key takeaways</big></h5>
  <p class="takeaways-subtitle">Click a number to jump to that topic in the article.</p>
  
  <ul class="takeaways-list">
    
       <li class="takeaway-item">
      <a href="#section1" class="jump-link"><span class="takeaway-item-number">1</span></a>
      <span class="takeaway-item-highlight">Rate cuts predicted.</span>
      <span class="takeaway-item-content"> The base rate is expected to drop to 3.75% by the end of 2025.</span>
    </li> 

<li class="takeaway-item"><a href="#section2" class="jump-link"><span class="takeaway-item-number">2</span></a>
      <span class="takeaway-item-highlight">Not afraid of a little competition.</span>
      <span class="takeaway-item-content"> Expert insight on avoiding being gazumped in a competitive market.</span>
    </li>
    
    <li class="takeaway-item">
      <a href="#section3" class="jump-link"><span class="takeaway-item-number">3</span></a>
      <span class="takeaway-item-highlight">If the predictions are wrong?</span>
      <span class="takeaway-item-content"> Considering the market might not act the way we expect this year.</span>
    </li>
    
    <li class="takeaway-item">
      <a href="#section4" class="jump-link"><span class="takeaway-item-number">4</span></a>
      <span class="takeaway-item-highlight">A buyer's secret weapon.</span>
      <span class="takeaway-item-content"> There are resources available to put you ahead of other buyers.</span>
    </li>
  </ul>
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<a href='https://www.foxtons.co.uk' target='_blank'><img src='https://page-assets.foxtons.co.uk/news-images/2025/05/multiple-offers/720.jpg' alt=''></a>
<figcaption>Photo by Foxtons Specialist Video & Photography team </figcaption>
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<a id="section1"></a>
<h3>What do the predicted base rate cuts mean for your home purchase?</h3>
<p>Good news on the horizon: the International Monetary Fund IMF forecasts two more Bank of England base rate cuts this year, potentially bringing it down to 3.75%.

<p>But wait – what does this actually mean for you? Let us break it down simply:

<p><b>The base rate isn't the same as your mortgage interest rate.</b> Think of it this way: the Bank of England controls the base rate, while lenders set their own interest rates. Though they're connected, they don’t always act the same way.

<p>These expected cuts are tempting many buyers to play the waiting game. So here's the catch: you won't be the only one. When rates eventually drop, expect a flood of eager buyers jumping into the market all at once.


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<div class="news_list_item">
<a href="#" target="_blank"><img src="https://intranet.foxtons.co.uk/resources/property/02/39/20/chpk0239205/original_chpk0239205-40.jpg" class="rsImg" data-rsTmb="" data-rsw="707" data-rsh="397" alt="" /></a>
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<i><p style="margin-left: 30px; margin-right: 30px;">"I've seen Foxtons sales teams through many market cycles, and all the signs point to a surge in buyer activity this summer. The buyers who succeed in competitive markets like this are the ones who come prepared and can move quickly. <p style="margin-left: 30px; margin-right: 30px;">But there's another factor that often gets overlooked – flexibility in your search. What sets Foxtons apart is our London-wide approach. Our negotiators aren't limited to small local patches like most agencies. If your dream home isn't available in one area, we can instantly expand your search across the entire London network. <p style="margin-left: 30px; margin-right: 30px;">I've seen how this opens up opportunities and helps buyers secure properties in a competitive market."</p></i>

<p style="text-align: right">Jean Jameson,<br><small><b>Chief Sales Officer</small></b></p>

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<a id="section2"></a>
<h3>Why waiting might cost you your dream home</h3>
<p>When interest rates finally drop, suddenly everyone who's been holding back dives into the property market. Not just Londoners, but across the UK and with international buyers too, London property has long been considered a sound investment.

<p>So, what happens next? Competition goes through the roof and suddenly you're facing bidding wars for properties you once had your pick of.

<p>Have you heard of being "gazumped"? It's when you think you've secured a property only for someone to swoop in at the last minute with a higher offer – sometimes just £50k more – and steal your dream home. As agents, we have to pass all offers to sellers, and let's be honest, who'd turn down an extra £50k?

<a id="section3"></a>
<h3>What if the experts' predictions are wrong?</h3>
<p>Let's be honest – predictions aren't guarantees. Considering how complex the global economy is these days, nothing is set in stone. But even if the base rate doesn't drop further, today's mortgage market is already looking pretty good.

<center><p style="margin-left: 25px; margin-right: 25px; background-color: #cce3e0;">	&#x1f4a1; <b>Expert tip:</b> the perfect time to buy isn't when rates hit rock bottom – you'll only know when that's happened in hindsight – it's when you find a home you love at a price you can afford.</center>


<p>At 4.75%, the base rate is at a multi-year low, and lenders are creating innovative mortgage products to entice buyers. In fact, there are already mortgage products with interest rates below 4% – remember, the base rate and interest rates aren’t the same thing.

<p>Our partner broker, <a href='https://www.alexanderhall.co.uk/contact' target='_blank'>Alexander Hall</a>, has access to fantastic options – including some you won't find on the high street. If you know where to look, you will find excellent deals already.

<hr>

<p>There's already good news in the mortgage market
 - read our latest mortgage articles:
<p style="margin-left: 25px"><a href='https://www.foxtons.co.uk/discover/2025/05/rates-cut-again-what-buyers-need-to-know-about-the-evolving-mortgage-market' target='_blank'>Rates cut AGAIN: what buyers need to know about the evolving mortgage market</a>
<p style="margin-left: 25px"><a href='https://www.foxtons.co.uk/discover/2025/02/mortgage-rates-below-4-are-back-is-it-time-to-buy' target='_blank'>Mortgage rates below 4% are back</a>  
<p style="margin-left: 25px"><a href='https://www.foxtons.co.uk/discover/2025/04/the-rise-of-lowdeposit-mortgages-opportunities-at-17year-high' target='_blank'>The rise of low-deposit mortgages: opportunities at 17-year high</a>
<hr>
<a id="section4"></a>
<h3>Why smart buyers are preparing now</h3>
<p>In the market we're expecting this summer, being quick off the mark will be your secret weapon. We’re not suggesting you rush into buying the first property you see – quite the opposite! Take your time finding your perfect match, but be ready to move fast when you find it.

<p>How? <b>Start with these simple steps:</b>
<p style="margin-left: 40px; margin-right: 40px"><b>1.	Get your finances sorted early.</b> That means having your mortgage agreement in principle ready to go. If you're a next-step buyer, have a clear plan for keeping or switching your current mortgage. A <a href='https://www.alexanderhall.co.uk/contact' target='_blank'>free consultation from Alexander Hall</a> is a good place to start. 
<p style="margin-left: 40px; margin-right: 40px"><b>2.	Line up your solicitor before making offers.</b> Our panel at <a href='https://www.foxtons.co.uk/buy/conveyancing' target='_blank'>Conveyan</a> can hit the ground running the moment your offer is accepted, potentially saving you weeks of waiting. Plus, they work on a no-sale, no-legal-fee basis, so there's no downside to getting them involved early.
<p style="margin-left: 40px; margin-right: 40px"><b>3.	Sign up to <a href='https://www.foxtons.co.uk/myfoxtons/applicants' target='_blank'>My Foxtons</a> right away.</b> When you register, our local offices get to know exactly what you're looking for. They want to make it happen for you, and we give them access to our entire network to find your best-suited home. So, they’ll give you the heads-up on properties we’re bringing to the market before they appear on Rightmove or Zoopla.


<figure>
<a href='https://www.foxtons.co.uk' target='_blank'><img src='https://page-assets.foxtons.co.uk/news-images/2025/05/buy-in-london-in-summer/720.jpg' alt=''></a>
<figcaption>Photo by Foxtons Specialist Video & Photography team</figcaption>
</figure>



<h3>Ready to make this summer your time to buy?</h3>
<p>The simple truth is this: the prepared buyer gets the keys. While everyone else is waiting for the "perfect moment," you could be settling into your new home.

<p>Our experts aren't just saying this because we're estate agents. We're saying it because we see the market day in, day out – and the signs are clear. This summer is shaping up to be a golden opportunity for buyers who are ready to move.

<p>Why not start with a free consultation with Alexander Hall to understand your options? Or pop into your local Foxtons branch for a chat about what you're looking for?

<p>Then, when you find your perfect match, we get it done.

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<a href="https://www.foxtons.co.uk/properties-for-sale/south-east-england" class="cta-button cta-button-secondary">
  
 Browse property for sale</a>

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   <p><p><b>Source:</b> This article was requested and reviewed by Foxtons Sales department, to ensure you have exactly the information you need to hand as you enter the summer 2025 market. If you have any questions, <a href='mailto:experts@foxtons.co.uk?subject=Summer%20Buying%20Market%20Article' target='_blank'>ask a Foxtons expert</a>.</div>


Selling

mortgage-market

<h2 class='intro_basic'>Ready for your latest instalment of fantastic news in the mortgage market? The Bank of England has just cut interest rates from 4.5% to 4.25%, the fourth reduction in this cycle. This latest 0.25% drop adds to the growing list of positives energising the property market right now. </h2>

<h3>Expert Insight</h3>
<p>Richard Merrett, Managing Director of Foxtons partner mortgage broker, Alexander Hall, shares some insight on what might change with these new rates: 
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box-shadow: rgba(255, 255, 255, 0.1) 0px 1px 1px 0px inset, rgba(50, 50, 93, 0.25) 0px 50px 100px -20px, rgba(0, 0, 0, 0.3) 0px 30px 60px -30px;
">
<p><big><big><b>...benefitting a wider range of borrowers, not just those with larger deposits...</b></big></big>
   <p><i>"Today's news is set to further boost confidence in an already positive market. Rates have fallen across all loan-to-values for both residential and buy-to-let fixed rates in the last month. Notably, sub-4% rates are back, with a 2-year 75% LTV rate falling below this threshold for the first time since September 2022, benefiting a wider range of borrowers, not just those with larger deposits or equity in their homes.
 
<p>Additionally, for those with lower deposits the availability of 5% and 10% deposit mortgages is at a 17-year high, potentially allowing first-time buyers to purchase homes sooner."</i>
<p style="text-align: right">Richard Merrett<br><small><b>Managing Director, Alexander Hall</small></b></p>

</div> 
<div class='clearfix'></div><br><br>

<figure>
<img src='https://page-assets.foxtons.co.uk/news-images/2025/05/base-rate-cut/720.jpg' alt='A kitchen with a large island and plants'>
<figcaption>Photo by Foxtons Specialist Video & Photography team</figcaption>
</figure>


<h3>What this means for buyers and buy-to-let landlords</h3>
<p>If you have a tracker mortgage linked to the Bank of England's rate, you'll see an immediate drop in your monthly payments.

<p>For the majority on fixed-rate deals, while your current payments won't change, this cut might mean better rates when you come to remortgage. 

<p>Most excitingly, if you're looking to get a new mortgage, this is brilliant timing for you. The base rate influences the interest rates lenders attach to the mortgages they offer, and if interest rates go down, even as little as 0.25%, you’re in for big savings on your monthly payments:

<figure>
<div style="max-width: 350px; margin: 0 auto; font-family: Arial, sans-serif; background: linear-gradient(135deg, #e6f1ef 0%, #ffff 100%); border-radius: 16px; padding: 32px; box-shadow: 0 4px 6px rgba(0,0,0,0.1);">
    <div style="text-align: center; margin-bottom: 32px; position: relative;">
   
        <h2 style="color: #017163; font-size: 25px; margin: 0 0 8px 0;">The Impact of a <b>0.25%</b> Rate Drop</h2>
        <p style="color: dark-grey; font-size: 16px; margin: 0;">See How Much You Could Save Monthly</p>
    </div>
    
    <div style="display: flex; flex-direction: column; gap: 24px;">
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            <div style="display: flex; justify-content: space-between; align-items: center;">
                <div>
                    <div style="color: #4b5563; font-size: 16px; margin-bottom: 8px;">Loan Amount</div>
                    <div style="color: #67aaa1; font-size: 20px; font-weight: bold;">£300,000</div>
                </div>
                <div style="text-align: right;">
                    <div style="color: #4b5563; font-size: 16px; margin-bottom: 8px;">Monthly Savings</div>
                    <div style="color: #017163; font-size: 25px; font-weight: bold;">£43.90</div>
                </div>
            </div>
        </div>
        
        <div style="background: white; padding: 24px; border-radius: 12px; box-shadow: 0 4px 12px rgba(0,0,0,0.1); position: relative; border-left: 6px solid #fff000;">
            <div style="display: flex; justify-content: space-between; align-items: center;">
                <div>
                    <div style="color: #4b5563; font-size: 16px; margin-bottom: 8px;">Loan Amount</div>
                    <div style="color: #67aaa1; font-size: 20px; font-weight: bold;">£500,000</div>
                </div>
                <div style="text-align: right;">
                    <div style="color: #4b5563; font-size: 16px; margin-bottom: 8px;">Monthly Savings</div>
                    <div style="color: #017163; font-size: 25px; font-weight: bold;">£73.17</div>
                </div>
            </div>
        </div>
        
        <div style="background: white; padding: 24px; border-radius: 12px; box-shadow: 0 4px 12px rgba(0,0,0,0.1); position: relative; border-left: 6px solid #fff000;">
            <div style="display: flex; justify-content: space-between; align-items: center;">
                <div>
                    <div style="color: #4b5563; font-size: 16px; margin-bottom: 8px;">Loan Amount</div>
                    <div style="color: #67aaa1; font-size: 20px; font-weight: bold;">£700,000</div>
                </div>
                <div style="text-align: right;">
                    <div style="color: #4b5563; font-size: 16px; margin-bottom: 8px;">Monthly Savings</div>
                    <div style="color: #017163; font-size: 25px; font-weight: bold;">£102.43</div>
                </div>
            </div>
        </div>
    </div>
    
    <p style="color: #6b7280; font-size: 14px; text-align: center; margin-top: 24px;">Based on a 30-year repayment mortgage term</p>
</div>
<br>

<figcaption><big>Source: <u><b><a href='https://www.foxtons.co.uk/discover/2025/02/mortgage-rates-below-4-are-back-is-it-time-to-buy' target='_blank'>Mortgage rates below 4% are back - is it time to buy?</a></u></b></figcaption>
</big></figure>

<h3>More reasons to get moving</h3>

<blockquote class='pullquote_right'>
<a href='https://www.foxtons.co.uk/discover/2025/04/the-rise-of-lowdeposit-mortgages-opportunities-at-17year-high' target='_blank'><img src='https://page-assets.foxtons.co.uk/news-images/2025/04/low-deposit-mortgages/1600.jpg' alt=''></a><p>Read <a href='https://www.foxtons.co.uk/discover/2025/04/the-rise-of-lowdeposit-mortgages-opportunities-at-17year-high' target='_blank'>The rise of low-deposit mortgages: opportunities at a 17-year high</a>
</blockquote>

<p>Lenders aren't waiting around – they've already started reducing rates on new fixed deals in anticipation of further rate cuts. Here's what's happening:
<p style="margin-left: 25px">•	<b>Rates dropping across the board:</b> Both residential and buy-to-let fixed rates have fallen across all loan-to-value options in the past month.
<p style="margin-left: 25px">•	<b>Interest rates below 4%:</b> For the first time since September 2022, you can get a 2-year 75% LTV mortgage below 4%.
<p style="margin-left: 25px">•	<b>Low-deposit mortgages available:</b> There are <b>more 5% and 10% deposit mortgages available than at any point in the last 17 years</b> – perfect if you're eager to get on the property ladder.
<div class='clearfix'></div>


<figure>
<img src='https://page-assets.foxtons.co.uk/news-images/2025/05/improved-affordability/720.jpg' alt='A window frame with a table and chairs'>
<figcaption>Photo by Foxtons Specialist Video & Photography team</figcaption>
</figure>

<h3>Improved affordability – the real game changer</h3>
<p>The affordability test is often the biggest hurdle when applying for a mortgage. Lenders need to check you could still afford repayments if rates were to rise. When the tests ease, the maximum lending amounts increase, meaning you’ve got more to work with when you’re searching for your next home.
<p style="margin-left: 25px">•	Five of the UK's top lenders have improved their affordability calculations
<p style="margin-left: 25px">•	Higher loan-to-income ratios are now available from some of Alexander Hall’s intermediary-only lenders, which gives you more borrowing power
<p>This means more options for first-time buyers and current homeowners looking to move up the ladder.


<figure><img src='https://page-assets.foxtons.co.uk/news-images/2025/05/london-mortgage-home/720.jpg' alt='A row of houses with a tree in front of it'>
<figcaption>Photo by Foxtons Specialist Video & Photography team</figcaption>
</figure>

<h3>What to do next</h3>
<p>There are two simple ways to get started:
<p style="margin-left: 25px">1.	<b>Chat with a mortgage expert:</b> Speak with an Alexander Hall specialist today for free expert guidance and access to the most competitive rates on the market.
<p style="margin-left: 25px">2.	<b>Find your next property:</b> <a href='https://www.foxtons.co.uk/myfoxtons/applicants' target='_blank'>Sign up to My Foxtons</a> to tell us what you're looking for – we'll let you know the moment we find it. And if you're selling too, book a valuation to see what your current property could achieve in today's energised market.

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<a href="https://www.alexanderhall.co.uk/contact" class="cta-button cta-button-secondary">Book a free consultation with Alexander Hall</a>



<a href="https://www.foxtons.co.uk/valuations" class="cta-button cta-button-primary">Get a Foxtons valuation</a></center>
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   <p><p><b>Source:</b> This article has been reviewed and edited by Foxtons Sales department and Alexander Hall mortgage advisers. The information has all been carefully reviewed to ensure you have the most reliable insight on a complex market, exactly when you need it. If you have any questions about the article, <a href='mailto:experts@foxtons.co.uk?subject=Low-deposit%20mortgages%20article' target='_blank'>ask a Foxtons expert</a>.</div>




low-deposit-mortgages

<h2 class='intro_basic'>If you've been squirrelling away for a deposit, this might just be your moment. The number of low-deposit mortgages available has just hit its <b>highest point in 17 years</b>. 
</h2>

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    <div class="toc-title">Jump to:</div>
    <ul class="toc-list">
        <li class="toc-item">
            <a href="#timing" class="toc-link">Why are there so many low-deposit mortgages?</a>
        </li>        
        <li class="toc-item">
            <a href="#ltv" class="toc-link">What are low-deposit mortgages?</a>
        </li>
        <li class="toc-item">
            <a href="#current-mortgage-rates" class="toc-link">How do falling mortgage rates benefit you?</a>
        </li>
        <li class="toc-item">
            <a href="#mortgage-advice" class="toc-link">What the experts say...</a>
        </li>
        <li class="toc-item">
            <a href="#get-a-mortgage" class="toc-link">Is it a good time to get a mortgage?</a>
        </li>
        <li class="toc-item">
            <a href="#next-steps" class="toc-link">What are the next steps?</a>
        </li>
    </ul>
</div> 


<a id="timing"><h3>Why this is great news right now</h3></a>
<p>The property market has kicked off 2025 with tremendous energy. Yes, Stamp Duty returned to normal rates on 1 April, which would seem like bad news at first glance. But lenders are keen to keep buyers moving, so they’re piling on the new incentives to make the market more accessible to you.
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<center><p><big><b>Your perfect home could be waiting…</b></big></center>
<p><i>"Even with Stamp Duty back to normal rates, we're seeing plenty of buyers moving forward with their property dreams – and they're making a smart choice. 
<p>“While a temporary tax break can help initially, it won’t affect your long-term home value. The house hunt is so much more about finding the right property in the right location. And with Rightmove reporting the most homes available for sale in ten years, buyers have more chances than ever to find that perfect match. 
<p>“Rather than waiting for the 'perfect time' – with this much choice available, your perfect home could be waiting for you right now."</i>
<p style="text-align: right">Jean Jameson,<br><small><b>Chief Sales Officer - Foxtons</small></b></p>
</p></div>

<p>Lenders have spotted the affordability challenges and responded brilliantly, filling the market with 90-95% LTV mortgage options. We haven't seen this much choice in low-deposit mortgages since 2008, according to the latest Moneyfacts UK Mortgage Trends Treasury Report.

<a id="ltv"><p><big><font color= "#017163" >What are low-deposit mortgages?</big></p></a>
<p>Simply put, a 90% LTV mortgage means you only need a 10% deposit, while a 95% LTV requires just 5% down. <p>This is great news for many Londoners who earn the salary to comfortably afford monthly payments but find it difficult in today's economy to save enough for the typical 15-20% deposit.
<div class='clearfix'></div>

<figure><img src='https://page-assets.foxtons.co.uk/news-images/2025/04/first-time-buyer-advice/720.jpg' alt='Falling mortgage rates'>
<figcaption>Photo by Foxtons Specialist Video & Photography team</figcaption>
</figure>


<a id="current-mortgage-rates"><h3>How falling mortgage rates today benefit you</h3></a>
<p>Here's possibly the best part of the Moneyfacts UK report – current mortgage rates for small deposits have dropped. The average two-year fixed rate for borrowers with a 5% deposit is now 5.81% – the lowest in over two years.
<p>Lower rates mean two things:
<p style="margin-left: 25px">1. Your monthly payments will be lower, leaving more in your pocket.
<p style="margin-left: 25px">2.	You'll likely pass affordability checks more easily, as lenders calculate what you can borrow based on these lower rates.

<p>For example, a 0.5% drop in your rate could mean saving hundreds of pounds each year and potentially qualifying for thousands more in borrowing power. 


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            <h1>First-Time Buyer Market Trends</h1>
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            <div class="stat-box">
                <div class="icon">&#x1f4c8;</div>
 
                <span class="stat-number"><span class="arrow-up">▲</span>28.4%</span>
                <p class="stat-description">Increase in number of first-time buyer applications</p>
            </div>
            
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                <div class="icon">&#x1f4b7;</div>
                
                <span class="stat-number"><span class="arrow-down">▼</span>12%</span>
                <p class="stat-description">Decrease in first-time buyer's average deposit required</p>
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            Source: Alexander Hall data on first-time buyer clients, 2022-2024
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<a id="mortgage-advice"><h3>What the experts say</h3></a>
<p>We asked Richard Merrett, Managing Director of Alexander Hall, to sum up the market for you: 
<p style="margin-left: 60px; margin-right: 60px;"><i>“The greater availability of low deposit options is a fantastic sign for the property market. 
<p style="margin-left: 60px; margin-right: 60px;">More high LTV financing options helps stimulate activity which is positive not only for first-time buyers (FTBs) but also further up the property chain with greater options for homemovers as their buyers have potentially more leverage, giving greater confidence in their own sales journey. 
<p style="margin-left: 60px; margin-right: 60px;">There is even more positivity in that not only is product availability high but this is coupled with lower average rates than we have seen for some time, and some excellent innovations.
<p style="margin-left: 60px; margin-right: 60px;">The likes of Accord and Skipton have released specific products aimed at FTBs; there are more options for families to support mortgage applications and help boost affordability from lenders such as Loughborough, Gen H and Barclays; and major lenders such as Halifax and Santander have tweaked their affordability calculations, estimating that many buyers could potentially increase their borrowing by as much as 13%. 
<p style="margin-left: 60px; margin-right: 60px;"><b>All of these innovations substantially increase any prospective buyer’s ability to find their dream home.”</b></i>

<figure><img src='https://page-assets.foxtons.co.uk/news-images/2025/04/good-time-to-get-a-mortgage/720.jpg' alt='Mortgages London'>
<figcaption>Photo by Foxtons Specialist Video & Photography team</figcaption>
</figure>


<a id="get-a-mortgage"><h3>Is it a good time to get a mortgage?</h3></a>
<p>April also marks the highest number of mortgages on the market since October 2007, according to the latest Moneyfacts UK Mortgage Trends Treasury Report. So, whether you’re looking for a low deposit option or another product, you've got more choices than at any point in <b>almost 2 decades</b>.

<h3>The myth of perfect timing</h3>
<p>The Bank of England holding the base rate in March has helped create a sense of stability in the market. The next Bank of England announcement comes in May, but as always, trying to predict the perfect moment with the absolute lowest rates can be risky. The global economic situation makes forecasting difficult, and waiting for slightly better rates might mean missing excellent current opportunities.

<a id="next-steps"><h3>Next steps</h3></a>
<p>Ready to seize this opportunity? Here's how to get moving today:
<p style="margin-left: 25px">&#x2022 Get your mortgage agreed in principle first. This confirms your budget before viewings, so you’re looking at properties you can afford. 
<p style="margin-left: 25px">&#x2022 Using a mortgage rate calculator can give you a clue to your budget, but if you want to see what the best-suited mortgage products can do for you, it’s time to talk to a trusted broker. Our partners can guide you through all options – including the high street lenders and beyond:

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<a href="https://www.alexanderhall.co.uk/contact" class="cta-button cta-button-secondary">Book a free consultation with Alexander Hall</a>

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<p>The other thing to do is let us know what you're looking for – because in this busy market, you need a head start. Sign up for a My Foxtons account, and we'll share new listings that suit your search before they hit the major portals:




<center>
<a href="https://www.foxtons.co.uk/myfoxtons/applicants" class="cta-button cta-button-primary">Sign up to My Foxtons</a>
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<p>Current mortgage rates are favourable, especially for those with smaller deposits. With mortgage interest rates UK-wide showing promise, this spring could be the perfect time to make your move.


<br><hr><br>
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   <p><p><b>Source:</b> This article has been reviewed and edited by Foxtons Sales department and Alexander Hall mortgage advisers. The information has all been carefully reviewed to ensure you have the most reliable insight on a complex market, exactly when you need it. If you have any questions about the article, <a href='mailto:experts@foxtons.co.uk?subject=Low-deposit%20mortgages%20article' target='_blank'>ask a Foxtons expert</a>.</div>



properties-near-london-parks

<h2 class='intro_basic'>As we head into spring and Londoners flock to parks across the city, we're looking at what park-side living means for property buyers and sellers.</h2>

<p>The sunshine has transformed London today. Whether you're enjoying lunch on a local Common or drinks at a riverside pub, days like this showcase why homes near parks command such premium prices. 

<p>Is it worth booking a viewing? Getting your park-adjacent home valued? Here’s what our experts have to say…



<figure>
<img src='https://page-assets.foxtons.co.uk/news-images/2025/03/new-build-development-park/720.jpg' alt='home by a park'>
<figcaption>Photo by Foxtons Specialist Video & Photography team</figcaption>
</figure>


<h3>Expert insight: the park premium </h3>
<p>For this, we look to a local expert. William Cooke, Operations Director – Sales in Foxtons Battersea office, shares his experience with property near Battersea Park:

<p style="margin-left: 25px">"Living near London's parks commands significant price premiums, we even shared some research showing properties adjacent to premier parks priced 53% higher than the broader market. Battersea Park boasts the second-highest premium in the capital, with homes across SW11, SW3, and SW8 averaging £927,098—50% higher than wider Wandsworth.<sup>1</sup>

<p style="margin-left: 25px">I can tell you from experience that homes near Battersea Park are remarkably sought-after. They rarely linger on the market – we often have multiple viewings scheduled within days of listing, and competitive offers follow quickly.

<p style="margin-left: 25px">As a seller, this means you can expect strong interest and potentially favourable selling conditions. We're constantly on the lookout for new properties in this area to meet the persistent demand from our qualified buyers.

<p style="margin-left: 25px">For buyers, these spring days truly showcase what makes Battersea special - families enjoying picnics by the lake, joggers on tree-lined paths, and residents savouring the peaceful green space in urban London. When you purchase here, you're not just buying a home but investing in a lifestyle and a historically resilient asset.” 

<p><small><sup>1</sup> Source: Foxtons research - available in <a href='https://propertyindustryeye.com/london-parks-push-up-house-prices-by-over-50' target='_blank'>Property Industry Eye</a></small>

<h3>The green city</h3>
<p>With nearly 3,000 parks across London (<a href='https://www.london.gov.uk/programmes-strategies/environment-and-climate-change/parks-green-spaces-and-biodiversity/parks-and-green-spaces#:~:text=London%20is%20a%20surprisingly%20green,reservoirs%2C%20and%20riversides%20to%20explore.' target='_blank'>source</a>), this 'park premium' extends well beyond Battersea. From the vast expanses of Richmond Park to the manicured gardens of Regent's Park and the community feel of all our amazing local Commons, proximity to green space consistently boosts property values.

<p>At Foxtons, our local experts can provide tailored insights for your specific area – whether you're selling near Greenwich Park, buying close to Hampstead Heath, or exploring options around Victoria Park. We understand the nuances of each local market and can help you maximize your property's park proximity value or find the perfect green space home that meets your lifestyle needs.

<figure>
<a href='https://www.foxtons.co.uk' target='_blank'><img src='https://page-assets.foxtons.co.uk/news-images/2025/03/central-london-park-home/720.jpg' alt='London roof terrace property'></a>
<figcaption>Photo by Foxtons Specialist Video & Photography team</figcaption>
</figure>


<h3>The sunnier side of London living</h3>
<p>Searching for that perfect south-facing garden flat? Wondering what your Holland Park property is worth in today's market? With spring arriving, it's the ideal time to explore London homes, and our local expertise can help you spring into action:

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<a href="https://www.foxtons.co.uk/valuations" class="cta-button cta-button-primary">Book a valuation</a>

<a href="https://www.foxtons.co.uk/properties-for-sale/south-east-england" class="cta-button cta-button-secondary">
  
Browse homes on the market</a>

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<br><hr><br>
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   <p><p><b>Source:</b> This article uses local knowledge from one of our Operations Directors, as well as Foxtons own data on <a href='https://propertyindustryeye.com/london-parks-push-up-house-prices-by-over-50/' target='_blank'>property premiums around parks</a>. With it, we aim to give a snapshot of the opportunities around the kinds of homes we’re all dreaming of on these lovely, sunny days. If you have any questions on the article, <a href='mailto:experts@foxtons.co.uk?subject=London%20Parks%20Article' target='_blank'>ask a Foxtons expert</a>.</div>



types-of-property-surveys

<h2 class='intro_basic'>You've got questions about property surveys, and you need straight answers. We've gathered the most common questions our buyers ask and worked with the experts at Arnold & Baldwin chartered surveyors to get you clear, helpful answers. Let's dive in.</h2>

<h3>Do I actually need a survey? </h3>
<p>Let's clear something up straight away - you aren’t legally required to have a survey when buying a property in England. It's entirely your choice. If you are mortgaging the property, the bank will have done their own valuation, which sometimes includes a property visit – but this is not at all the same thing as a survey. 
<p>If you plan to book a survey so you can proceed in buying your home with confidence, just let us know early on. This helps keep things moving smoothly once you've had your offer accepted.



<figure>
<a href='https://www.foxtons.co.uk' target='_blank'><img src='https://page-assets.foxtons.co.uk/news-images/2025/02/home-survey/720.jpg' alt='House survey'></a>
<figcaption>Photo by Foxtons Specialist Video & Photography team</figcaption>
</figure>

<h3>House survey vs mortgage survey: What's the difference?</h3>
<p>These terms both come up in a property purchase, so it can be a bit confusing. Here's the simple version:
<p style="margin-left: 25px">• <b>House survey</b>: This is the survey you arrange, <b>for your benefit.</b> The surveyor will inspect the property and tell you what shape it's in before you buy it. Like an MOT on a car, they will provide you with advice on future maintenance and help you understand how to make changes. 
<p style="margin-left: 25px">•	<b>Mortgage survey</b>: This is not a survey. It is a valuation <b>for the benefit of the bank or building society</b> (whoever is lending on your mortgage) to assess what the property is worth and whether they want to lend on it. The lender will arrange an in-person visit if needed. 


<figure>
<a href='https://www.foxtons.co.uk' target='_blank'><img src='https://page-assets.foxtons.co.uk/news-images/2025/02/chartered-surveyors/720.jpg' alt='Chartered surveyors'></a>
<figcaption>Photo by <a href='https://www.freepik.com/author/bestyy38105321' target='_blank'>Bestyy</a> | Freepik </figcaption>
</figure>

<h3>What are the different types of surveys?</h3>

<blockquote class='pullquote_right'>
<p><small>See Arnold & Baldwin’s handy flowchart: <a href='https://www.foxtons.co.uk/i/arnold-and-baldwin/rics_survey.pdf' target='_blank'>Which building survey is right for me?</a></p></small>
</blockquote>

<p><a href='https://www.arnoldandbaldwin.co.uk/' target='_blank'>Arnold & Baldwin</a>, the chartered surveyors we frequently recommend, can tell you that. ‘What type of survey do I need when buying a house?’ is a question they hear all the time. In the chart below, they’ll explain what the different surveys are, which you should be using and how much a survey costs in 2025. 


<div class='clearfix'></div>

<div style="overflow-x: auto;">
    <table style="width: 100%; border-collapse: collapse; margin: 20px 0;">
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          <th style="padding: 12px; border: 1px solid #ddd; text-align: left;">Survey type</th>
<th style="padding: 12px; border: 1px solid #ddd; text-align: left;">Also called</th>
          <th style="padding: 12px; border: 1px solid #ddd; text-align: left;">Best for</th>
          <th style="padding: 12px; border: 1px solid #ddd; text-align: left;">What you get</th>
          <th style="padding: 12px; border: 1px solid #ddd; text-align: right;">Cost guide</th>
          <th style="padding: 12px; border: 1px solid #ddd; text-align: right;">Timeframe</th>
        </tr>
      </thead>
      <tbody>
      
        <tr>
          <td style="padding: 12px; border: 1px solid #ddd;">RICS Condition Report</td>
<td style="padding: 12px; border: 1px solid #ddd;">RICS Home Survey Level 1</td>
          <td style="padding: 12px; border: 1px solid #ddd;">New-ish homes in good nick</td>
          <td style="padding: 12px; border: 1px solid #ddd;">Any visible defects and urgent issues.
<br>A summary for your legal advisors raising any issues noted on site, as your lawyer likely won't visit the property.
</td>
          <td style="padding: 12px; border: 1px solid #ddd; text-align: right;">£300-£900</td>
          <td style="padding: 12px; border: 1px solid #ddd; text-align: right;">~1 week, 1-2 hours at the property</td>
        </tr>
        <tr style="background-color: #e6f1ef;">
    <td style="padding: 12px; border: 1px solid #ddd;">RICS Homebuyer Report</td>      
    <td style="padding: 12px; border: 1px solid #ddd;">RICS Home Survey Level 2 – RPSA Home Condition Survey</td>

          <td style="padding: 12px; border: 1px solid #ddd;">Most regular homes</td>
          <td style="padding: 12px; border: 1px solid #ddd;">A detailed inspection covering all aspects, including a helpful list of works required to submit to tradespeople and a summary for your legal advisors.</td>
          <td style="padding: 12px; border: 1px solid #ddd; text-align: right;">£400-£1,000</td>
          <td style="padding: 12px; border: 1px solid #ddd; text-align: right;">~1 week, 3-5 hours at the property</td>
        </tr>
        <tr>
<td style="padding: 12px; border: 1px solid #ddd;">RICS Building Survey</td>          
<td style="padding: 12px; border: 1px solid #ddd;">RICS Home Survey Level 3  - RPSA Building Survey - Full Structural Survey</td>
          <td style="padding: 12px; border: 1px solid #ddd;">Older or unique property designs, poor conditions</td>
          <td style="padding: 12px; border: 1px solid #ddd;">The full works - every nook and cranny inspected to record the construction and any defects.</td>
          <td style="padding: 12px; border: 1px solid #ddd; text-align: right;">£600-£1,500</td>
          <td style="padding: 12px; border: 1px solid #ddd; text-align: right;">~2 weeks, 6-8 hours at the property</td>
        </tr>
        <tr style="background-color: #e6f1ef;">
          <td style="padding: 12px; border: 1px solid #ddd;">Specialist Survey</td>
 <td style="padding: 12px; border: 1px solid #ddd;"></td>
          <td style="padding: 12px; border: 1px solid #ddd;">Specific concerns (damp, timber, roofing etc.)</td>
          <td style="padding: 12px; border: 1px solid #ddd;">Typically happens if a survey reveals a need for further inspection</td>
          <td style="padding: 12px; border: 1px solid #ddd; text-align: right;">£150-£1,000 
(varies depending on survey requirements)
</td>
          <td style="padding: 12px; border: 1px solid #ddd; text-align: right;">Varies</td>
        </tr>
        <tr>
          <td style="padding: 12px; border: 1px solid #ddd;">Snagging Survey</td>
          <td style="padding: 12px; border: 1px solid #ddd;"></td>
          <td style="padding: 12px; border: 1px solid #ddd;">Completed or nearly completed new-build home</td>
          <td style="padding: 12px; border: 1px solid #ddd;">Check everything's finished correctly and provide a photographic list of items for the developer to finalise</td>
          <td style="padding: 12px; border: 1px solid #ddd; text-align: right;">£300-£1,000</td>
          <td style="padding: 12px; border: 1px solid #ddd; text-align: right;">~1 week, 2-6 hours at the property</td>
        </tr>
      </tbody>
    </table>
  </div>

<h3>Most People Go For: RICS Homebuyer Report</h3>
<p>The Homebuyer Report is the most popular choice, and for good reason. It gives you a really good look at what you're buying without breaking the bank. The surveyor will look at the following, flag any urgent issues and help you tell a tradesperson what needs quoting on:  
<p style="margin-left: 25px">•	The property’s history and location
<p style="margin-left: 25px">•	Damp-proofing – this is where the moisture meter comes in
<p style="margin-left: 25px">•	Drainage – just the visual bits
<p style="margin-left: 25px">•	•	Main walls, roof, chimneys, windows, doors (everything which is visible) 
<p style="margin-left: 25px">•	Utilities inspection
<p style="margin-left: 25px">•	Fences, walls and boundaries
<p>Just so you know - they won’t pull up carpets and floorboards, or move items of furniture around. That's Level 3 territory.


<figure>
<a href='https://www.foxtons.co.uk' target='_blank'><img src='https://page-assets.foxtons.co.uk/news-images/2025/02/book-a-survey/720.jpg' alt='Book a survey'></a>
<figcaption>Photo by <a href='https://www.freepik.com/author/senivpetro' target='_blank'>Senivpetro</a> | Freepik </figcaption>
</figure>


<h3>When should I book a survey?</h3>
<p>Honestly, as soon as you can. Pop it into your offer as a condition so the seller can review your complete offer against their timeline. If your offer is accepted, get your survey booked in right away. <p>Surveys can take a few weeks to complete, depending on which type you go for and how busy your surveyor is. Remember - keeping things moving is absolutely crucial to a smooth purchase.

<h3>What if the survey finds problems?</h3>
<p>Here's the thing: almost every survey conducted by a qualified surveyor whose good at their job is going to find something. Houses are a bit like people - they all have their quirks and none of them are perfect. So, if your survey does flag up issues, don't worry. 
<p>There are usually three ways forward: 
<p style="margin-left: 25px">1. Ask the seller to fix things before you buy.
<p style="margin-left: 25px">2. Negotiate the price to cover the cost of repairs.
<p style="margin-left: 25px">3. Accept the issues to keep your timeline, and plan to sort them yourself.

<p>Whatever comes up, we'll be here to help you work through it. We've seen it all before, and we're excellent at finding solutions that work for everyone. That’s how <b>we get it done</b>. 

<h3>Let’s get started</h3>
<p>If you want to book a survey, we recommend Arnold & Baldwin. If you're ready to put in your offer, hop onto your My Foxtons account. 


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<br><hr><br>
<div style="background: #00000; 
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   <p><p><b>Source:</b> This article has been reviewed and edited by <a href='https://www.arnoldandbaldwin.co.uk/' target='_blank'>Arnold & Baldwin</a> property surveyors, who regularly provide expert insight for our buyers and vendors. Arnold & Baldwin are regulated by the Royal Institution of Chartered Surveyors (RICS), and we cannot influence their surveys. They give the honest third-party information that you can use to make decisions, avoid surprises and have confidence in your offer or asking price. </div>



leasehold-london

<h2 class='intro_basic'>Big news for homebuyers - the government has just released plans to ban new leaseholds. This means future new-build flats will be sold as commonhold instead. This change could make the jump to homeownership easier for many people.</h2>



<h3>What does leasehold actually mean?</h3>
<p>Let’s start with a quick refresher on the terms: </p>


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<div class="icon-header"><center>&#x1f3e1;</center></div><br>
        <strong>Freehold (usually houses)</strong>
        <p>•	You own the property AND the land forever</p>
<p>•	You handle all repairs</p>        
<p>•	No lease to worry about</p>
      </div>
<div class="term homeownership">
<div class="icon-header"><center>&#x1f3e2;</center></div><br>
        <strong>Leasehold (usually flats)</strong>
        <p>•	You own the property for a fixed time period</p>
<p>•	Someone else (the freeholder) owns the land and building</p>        
<p>•	The freeholder handles major repairs</p>
        <p>•	You pay ground rent and service charges</p>
      </div>
      <div class="term incoming">
<div class="icon-header"><center>&#x1f91d;</center></div><br>
        <strong>Commonhold (new route for new-builds)</strong>
        <p>•	You own your property outright</p>
        <p>•	You get a say in building decisions</p>
        <p>•	You share responsibility for building management</p>
        <p>•	No ground rent or lease renewal worries</p>
      </div>
    </div><br><p style="text-align: right"><small>Read the full article: <a href='https://www.foxtons.co.uk/discover/2022/09/leasehold-vs-freehold-the-differences-and-what-to-consider' target='_blank'>Leasehold, freehold and commonhold</a></small></p>
  </div>

  
</div>
</body>
</html>

<h3>What leasehold reform means for you</h3>
<p><b>If you're buying:</b>
<p style="margin-left: 25px">&#x2022	More property options to consider
<p style="margin-left: 25px">&#x2022 Clearer understanding of what you own
<p style="margin-left: 25px">&#x2022 Potentially lower long-term costs
<p><b>If you're selling:</b>
<p style="margin-left: 25px">&#x2022 New selling points for your leasehold property
<p style="margin-left: 25px">&#x2022 Recent reforms make your property more attractive
<p style="margin-left: 25px">&#x2022 Potential buyers will have fewer concerns

<figure>
<img src='https://page-assets.foxtons.co.uk/news-images/2025/03/barbican-leasehold/720.jpg' alt='Barbican leasehold'>
<figcaption>Photo: <a href='https://unsplash.com/photos/a-view-of-a-city-from-a-balcony-B0p2BR1z504' target='_blank'>Barbican</a> by <a href='https://unsplash.com/@krowdeed' target='_blank'>Lawrence Krowdeed</a> - <a href='https://unsplash.com/license' target='_blank'>Unsplash</a></figcaption>
</figure>


<h3>Changes brought by last year’s Leasehold Reform</h3>

<blockquote class='pullquote_right'>
<a href='https://www.foxtons.co.uk/discover/2024/06/awash-upa-round-up-leasehold-reform-and-renters-reform#leasehold-reform' target='_blank'><img src='https://page-assets.foxtons.co.uk/news-images/2024/06/apartment-buildings-london/720.jpg' alt='Leasehold reform act'></a> <p><small>Read: <a href='https://www.foxtons.co.uk/discover/2024/06/awash-upa-round-up-leasehold-reform-and-renters-reform#leasehold-reform' target='_blank'>Leasehold Reform in the Conservative Party's 'Wash Up'</a></small></p>
</blockquote>

<P>This new ban could help buyers find their perfect leasehold home in London’s incredible new-build market. But, of course, there is the matter of existing leasehold property. 
<p>Last year, right before the Conservatives left office, they pushed through a number of bills. Leasehold Reform was one of them, which made some strides in the ownership of existing leasehold properties. 
<P>The roll out has been a little trickier. The new government have said that some aspects of the bill require further consultations and secondary regulations. So, here’s what has changed and what has yet to change: 

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    <div class="card-header">No More 2-Year Wait</div>
    <div class="card-content">
      <div class="info-row">
      </div>
      <div class="info-row">
        <div class="label">Status:</div>
        <div class="value"><span class="active-status">Active since 31 January 2025</span></div>
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      <div class="info-row">
        <div class="label">What it means for you:</div>
        <div class="value">New owners can extend leases (or buy freehold) immediately – no need to wait 2 years.</div>
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  <div class="reform-card">
    <div class="card-header">Right to Manage</div>
    <div class="card-content">
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        <div class="label">Status:</div>
        <div class="value"><span class="active-status">Active since 3 March 2025</span></div>
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        <div class="label">What it means for you:</div>
        <div class="value">More rights to manage property, and abolishes the presumption that leaseholders pay a freeholder's legal fees for RTM claims.</div>
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  <div class="reform-card">
    <div class="card-header">Clearer Service Charges</div>
    <div class="card-content">
      <div class="info-row">
        <div class="label">Status:</div>
        <div class="value"><span class="coming-status">Coming 2025/26</span></div>
      </div>
      <div class="info-row">
        <div class="label">What it means:</div>
        <div class="value">Easier to understand what you're paying for in terms of communal areas.</div>
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  <div class="reform-card">
    <div class="card-header">990-Year Leases</div>
    <div class="card-content">
      <div class="info-row">
        <div class="label">Status:</div>
        <div class="value"><span class="coming-status">Coming 2025/26</span></div>
      </div>
      <div class="info-row">
        <div class="label">What it means:</div>
        <div class="value">Leases could be extended for 990 years (instead of 90 years for flats and 50 years for houses)</div>
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  <div class="reform-card">
    <div class="card-header">Marriage Value Ban</div>
    <div class="card-content">
      <div class="info-row">
        <div class="label">Status:</div>
        <div class="value"><span class="coming-status">Coming 2025/26</span></div>
      </div>
      <div class="info-row">
        <div class="label">What it means:</div>
        <div class="value">When a short lease gets extended, the property value goes up. This 'marriage value' is currently split between the leaseholder and freeholder. New regulations means this would go fully to the leaseholder.</div>
      </div>
    </div>
  </div>
</div>





<h3>Still to come</h3>
<p>The biggest issue still to be ironed out is ground rents for <b>existing</b> properties. So far: 
<p style="margin-left: 25px">&#x2022	The <b>Leasehold Reform Act 2022</b> banned ground rents for most new residential property, but that does not apply to leases granted before 30 June 2022. 
<p style="margin-left: 25px">&#x2022 To pass the <b>2024 Leasehold Reform Act</b> quickly, the proposed cap on ground rent for existing property was scrapped. 
<p style="margin-left: 25px">&#x2022 This new <b>2025 Leasehold Ban</b> also wouldn’t address ground rent in existing leases, so there is still room for improvement. 
This is a complex bit of legislation to get through, but it would make a property into a more attractive listing, helping a lot of London’s homeowners move more quickly. 


<figure>
<img src='https://page-assets.foxtons.co.uk/news-images/2025/03/leasehold-london/720.jpg' alt='Leasehold in London'>
<figcaption>Photo by Foxtons Specialist Video & Photography Team</figcaption>
</figure>



<h3>Buying and selling leasehold <b>now</b>? We get it done</h3>
<p>You don't have to wait on legislation to achieve your goals – the opportunities are already out there. Whether you're buying or selling a leasehold property, our experts can guide you through the process.
<br>

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  &#x1f4f1; Call 020 7893 6300</a>

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<br>

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box-shadow: 0 4px 8px 0 rgba(0, 0, 0, 0.2), 0 6px 20px 0 rgba(0, 0, 0, 0.19);"> <h3><center><b>If you're buying:</b></center></h3>
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   <p><p><b>Source:</b> This article about the <a href='https://www.gov.uk/government/news/beginning-of-the-end-for-the-feudal-leasehold-system' target='_blank'>Commonhold white paper</a> was reviewed and edited by Foxtons Sales department, ensuring you have the best information on on changes to leasehold legislation when you need it. If you have any questions on this article, <a href='mailto:experts@foxtons.co.uk?subject=Article%20on%20the%20Leasehold%20Ban' target='_blank'>ask a Foxtons expert</a>.</div>

bank-of-england-building

<h2 class='intro_basic'>Great news if you've been waiting to start your property search in London - mortgage rates have dropped below 4%. Lenders are feeling confident, which means there are some excellent mortgage deals available right now. Here's what you need to know...</h2>


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<div class="toc-container">
    <div class="toc-title">Jump to:</div>
    <ul class="toc-list">
        <li class="toc-item">
            <a href="#whats-changed" class="toc-link">What's changed?</a>
        </li>
        <li class="toc-item">
            <a href="#whats-available" class="toc-link">How do I get a 4% or less rate?</a>
        </li>
        <li class="toc-item">
            <a href="#monthly-payments" class="toc-link">What does a rate drop mean for monthly payments?</a>
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            <a href="#fixed-variable" class="toc-link">Should I get a fixed or variable rate?</a>
        </li>
        <li class="toc-item">
            <a href="#consider" class="toc-link">What to consider</a>
        </li>
        <li class="toc-item">
            <a href="#explore" class="toc-link">Explore my options</a>
        </li>
    </ul>
</div> 

<a id="whats-changed"></a><figure>
<img src='https://page-assets.foxtons.co.uk/news-images/2025/02/bank-of-england-building/720.jpg' alt='Bank of England'></a>
<figcaption>The Bank of England has cut the base rate| Photo: <a href='https://unsplash.com/photos/woman-walking-in-front-of-white-building-with-ionic-pillars-jeF-vyxytb4' target='_blank'>Bank of England</a> by <a href='https://unsplash.com/@robertbye' target='_blank'>Robert Bye</a> - <a href='https://unsplash.com/license' target='_blank'>Unsplash</a></figcaption>
</figure>



<h3>What's changed?</h3>
<p>The Bank of England recently lowered the Base Rate, which is usually good news.  However, this time around, the excitement was muted because they also pulled back on their predictions for economic growth in 2025. <p> Despite this cautious outlook from the Bank of England, we're happy to report that the property market remains positive. In fact, some mortgage lenders are offering some of their best rates in months, and even <i>years</i>.  This positive shift in lender confidence is a welcome development. </p>


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   <p>
"Rates below 4% are a hugely positive step for consumers and the market. When mortgage rates start with a 3 it helps to break a psychological barrier and we have seen this positive sentiment from our clients." 

<p>"With the outlook of further base rate cuts this may lead to lenders offering lower affordability stress rates, which could give a bit more flexibility with affordability for those looking at their buying or remortgage options. Naturally anyone reviewing their mortgage options will need to speak to a good broker to access the most appropriate option."
<p style="text-align: right">Stephanie Daley<br><small><b>Director of Partnerships - Alexander Hall</small></b></p>

</div> 


<a id="whats-available"></a><h3>Can I get a mortgage rate under 4% now?</h3>
<p>Our partner broker, <a href='https://www.alexanderhall.co.uk/' target='_blank'>Alexander Hall</a>, tells us that there are both 5-year and 2-year fixed rate products below 4% once again. While we saw some 5-year fixed deals <a href='https://www.foxtons.co.uk/discover/2024/01/rates-fall-doors-open-more-good-news-for-buyers-and-landlords' target='_blank'>below 4% last year</a>, this is the first time since March 2023 that 2-year fixed rates have been this low.
<p>This means you could get a mortgage with lower monthly payments than you might have expected. Alexander Hall works with both high street banks and specialist lenders to find the right mortgage for you.


<a id="monthly-payments"></a><h3>What does this mean for my monthly payments?</h3>
<p>All this fuss over less than a 1% decrease? You'd be surprised; a small change in your mortgage rate can actually make a huge difference to your monthly payments. Even a quarter of a percent (0.25%) drop could save you hundreds of pounds each year:


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    <div style="text-align: center; margin-bottom: 32px; position: relative;">
   
        <h2 style="color: #017163; font-size: 25px; margin: 0 0 8px 0;">The Impact of a <b>0.25%</b> Rate Drop</h2>
        <p style="color: dark-grey; font-size: 16px; margin: 0;">See How Much You Could Save Monthly</p>
    </div>
    
    <div style="display: flex; flex-direction: column; gap: 24px;">
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            <div style="display: flex; justify-content: space-between; align-items: center;">
                <div>
                    <div style="color: #4b5563; font-size: 16px; margin-bottom: 8px;">Loan Amount</div>
                    <div style="color: #67aaa1; font-size: 20px; font-weight: bold;">£300,000</div>
                </div>
                <div style="text-align: right;">
                    <div style="color: #4b5563; font-size: 16px; margin-bottom: 8px;">Monthly Savings</div>
                    <div style="color: #017163; font-size: 25px; font-weight: bold;">£43.90</div>
                </div>
            </div>
        </div>
        
        <div style="background: white; padding: 24px; border-radius: 12px; box-shadow: 0 4px 12px rgba(0,0,0,0.1); position: relative; border-left: 6px solid #fff000;">
            <div style="display: flex; justify-content: space-between; align-items: center;">
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                    <div style="color: #4b5563; font-size: 16px; margin-bottom: 8px;">Loan Amount</div>
                    <div style="color: #67aaa1; font-size: 20px; font-weight: bold;">£500,000</div>
                </div>
                <div style="text-align: right;">
                    <div style="color: #4b5563; font-size: 16px; margin-bottom: 8px;">Monthly Savings</div>
                    <div style="color: #017163; font-size: 25px; font-weight: bold;">£73.17</div>
                </div>
            </div>
        </div>
        
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            <div style="display: flex; justify-content: space-between; align-items: center;">
                <div>
                    <div style="color: #4b5563; font-size: 16px; margin-bottom: 8px;">Loan Amount</div>
                    <div style="color: #67aaa1; font-size: 20px; font-weight: bold;">£700,000</div>
                </div>
                <div style="text-align: right;">
                    <div style="color: #4b5563; font-size: 16px; margin-bottom: 8px;">Monthly Savings</div>
                    <div style="color: #017163; font-size: 25px; font-weight: bold;">£102.43</div>
                </div>
            </div>
        </div>
    </div>
    
    <p style="color: #6b7280; font-size: 14px; text-align: center; margin-top: 24px;">Based on a 30-year repayment mortgage term</p>
</div>


<h3>Should I go for it?</h3>
<a id="fixed-variable"></a><p><big><b>Fixed or variable rate?</b></big>
<p>Many people who bought through us when rates dipped this time last year are now happily settled in their new homes with 2-year or 5-year fixed rates. However, no one can perfectly time the market to get the lowest possible rate. 
<p>As we said last year: "Rates might come down a bit more, or they might not. Is waiting for a possible better deal worth missing out on what's available now? Only you, your adviser and time will tell."

<a id="consider"></a><p><big><b>What to consider</b></big>
<p>If you're thinking of getting a fixed-rate mortgage, here are a few things to consider:
<p style="margin-left: 25px">• If you’re moving from a variable rate, first check if there's an exit fee
<p style="margin-left: 25px">• First-time buyer? Look carefully at any product or arrangement fees
<p style="margin-left: 25px">• A 5-year fixed rate will give you peace of mind on your monthly payments, however we may see rates fall further over the coming years. In which case, a shorter-term deal could give you the flexibility to switch in 2-3 years.


<figure>
<a href='https://www.foxtons.co.uk/properties-for-sale/south-east-england' target='_blank'><img src='https://page-assets.foxtons.co.uk/news-images/2025/02/mortgage-rate-decrease/720.jpg' alt='Browse London homes for sale'></a>
<figcaption>Find your home in London | Photo by Foxtons Specialist Video & Photography team</figcaption>
</figure>




<a id="explore"></a><h3>Ready to Explore Your Options?</h3>
<p>Whether you want to move forward now or just see what's possible, start by talking to a mortgage adviser. They'll keep track of the market for you, explain your options clearly, and help you make the right choice for you. <a href='https://www.alexanderhall.co.uk/contact' target='_blank'>Get in touch with Alexander Hall</a>, our trusted mortgage partners, for a free consultation.
<p>Want to start looking at properties? <a href='https://www.foxtons.co.uk/help/contact' target='_blank'>Find your local office</a>, <a href='https://www.foxtons.co.uk/properties-for-sale/south-east-england' target='_blank'>browse our homes on the market</a> or <a href='https://www.foxtons.co.uk/myfoxtons/applicants' target='_blank'>tell us what you’re looking for on My Foxtons</a>, and our local experts will help you find it.

<br><hr><br>
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   <p><p><b>Source:</b> This information for this article was provided by and reviewed by Alexander Hall mortgage advisers, to ensure you have the most valuable information in front of you when you’re navigating the mortgage market. If you have any questions on the blog information, <a href='mailto:experts@foxtons.co.uk?subject=Mortgage%20Rate%20Update%20February' target='_blank'>get in touch</a>. We’re always happy to help.</div>



Area guide

Renting

hampstead-westfield-penthouse

<h2 class='intro_basic'>It's a charmed life in Hampstead. The sprawling Hampstead Heath beckons nature lovers, while the quaint Hampstead High Street and Village carry an old-world London appeal. With a wealth of cultural heritage and beautiful nature to explore, and the most blue plaques of any London suburb, we think you’re going to love it here. </h2>
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<p><font color= "#017163" ><b>Just moved in?</b> Be sure to talk to <a href='mailto:concierge@foxtons.co.uk?subject=Hampstead%20Area%20Guide' target='_blank'>Foxtons Concierge</a>, so we can help you get set up.</p>
</small></div> 
<hr>

<P><b>Jump to:</b> 
<p style="margin-left: 25px;">Considering Hampstead? <a href='#ask-our-experts' target='_blank'>Ask our experts</a> | <a href='#property-market' target='_blank'>Hampstead's property market</a></p>

<p style="margin-left: 25px; margin-right: 25px;">New in town? <a href='#explore-the-area' target='_blank'>Explore the area</a> | <a href='#meet-your-neighbours' target='_blank'>Meet your neighbours</a></p>
<p style="margin-left: 25px;">Hampstead's personality: <a href='#claim-to-fame' target='_blank'>What Hampstead is known for</a> | <a href='#pictures' target='_blank'>Most picturesque spot</a> 
<p style="margin-left: 25px; margin-right: 25px;">The details: <a href='#commute' target='_blank'>Commuting from Hampstead</a> | <a href='#where-is-hampstead' target='_blank'>Where is Hampstead?</a> | <a href='#quick-links' target='_blank'>Quick links</a></center>

<hr>

<figure>
<img src='https://page-assets.foxtons.co.uk/news-images/2025/02/west-hampstead-market/720.jpg' alt=''>
<figcaption>Photo: West Hampstead Market | <a href='https://unsplash.com/photos/man-in-white-dress-shirt-standing-near-brown-wooden-shelf-with-bottles-and-food-GNCiCX1-17U' target='_blank'>Photo</a> by: <a href='https://unsplash.com/@kamranc1000' target='_blank'>Kamran Chaudhry</a> - <a href='https://unsplash.com/license' target='_blank'>Unsplash</a></figcaption>
</figure>

<a id="explore-the-area"></a><h3>Your perfect first day in Hampstead: how to explore the area</h3>

<p style="margin-left: 25px">&#x1f31e; Ready for a wander? Explore picturesque Highgate Village, nestled atop this hill in Hampstead Heath, to the west of Hampstead's high street. Enjoy stunning views of the Heath and London skyline while discovering charming gastropubs, theatres, boutiques, and cultural exhibits.  If it’s a particularly sunny day, take a refreshing dip in Highgate Ponds' open-air swimming holes, or experience the breathtaking bluebells carpeting Highgate Wood each May.


<p style="margin-left: 25px">&#x1f3c3; Want to stretch your legs? Of course you have the sprawling woodlands and meadows of Hampstead Heath to amble - as well as tennis courts, open-air swimming and Parliament Hill running track open year-round. Hampstead also has a 9-hole golf course, multiple kitted out gyms and its very own cricket club.

<p style="margin-left: 25px">&#x1f6d2; Hampstead High Street, just outside the station, has an incredible array of upscale shops, from luxury outfitters to home goods for your new place. You'll have the best fresh produce at your fingertips with a local butcher, bakery and greengrocer. If it's a Saturday, you'll want to head to West Hampstead for the Farmer's Market.

<a id="meet-your-neighbours"></a><h3>&#x1f44b; Meet your neighbours: who lives in Hampstead? </h3>
<p>Today's celebrities – a-list actors, media personalities, footballers and artists – flock to Hampstead. As do well-established practitioners of law and medicine. West Hampstead is especially popular with young professionals.

<small><p style="text-align: right"><a href='#to-the-top' target='_blank'>^ To the top</a></small>

<figure>
<img src='https://page-assets.foxtons.co.uk/news-images/2025/02/hampstead-westfield-penthouse/720.jpg' alt=''>
<figcaption>View overlooking Hampstead | Photo by Foxtons Specialist Video & Photography team</figcaption>
</figure>



<a id="ask-our-experts"></a><h3>&#x1f50d; Is Hampstead a good place to live? </h3>
<p>Adam Thornton, Managers of Foxtons Hampstead office, thinks so. ““Hampstead offers a peaceful village feel amongst cobbled streets and period architecture only a stone’s throw from Central London. From its quaint independent cafes and restaurants to the high end fashion boutiques, the high street has everything to appease locals and weekends visitors alike. Nothing quite beats a long walk in the Heath followed by the reward of drink in one of our cosy pubs.”

<a id="property-market"></a><h3>&#x1f3e1; Find your home: the Hampstead property market</h3> 
<p>There are so many beautiful neighbourhoods around this area, from the colourful homes and cosy pubs of Hampstead Village to Belsize Park’s cobbled mewses and darling bakeries, and of course it’s worth a wonder by the eclectic mix of mansions on The Bishops Avenue, often referred to as ‘Billionaires Row.’
<P>If you're looking for a place to call home in Hampstead, we'll show you around the elegant Victorian conversions, stately Georgian terraces, period mansion blocks and gated mansions that provide a rich landscape of impressive architecture.

<small><p style="text-align: right"><a href='#to-the-top' target='_blank'>^ To the top</a></small>



<figure>
<img src='https://page-assets.foxtons.co.uk/news-images/2025/02/hampstead-heath-pergola/720.jpg' alt='Hampstead Pergola'>
<figcaption>Hampstead Pergola | <a href='https://unsplash.com/photos/bench-beside-hedges-pncTHnpCtaM' target='_blank'>Photo</a> by: <a href='https://unsplash.com/@nico86' target='_blank'>Nicolas Lysandrou</a> - <a href='https://unsplash.com/license' target='_blank'>Unsplash</a></figcaption>
</figure>

<a id="pictures"></a><h3>&#x1f4f8; Hampstead's most insta-worthy spot</h3>
<p>The best place to snap a photo? It’s got to be The Hill Garden and Pergola in Hampstead Heath – everywhere you turn is a good photo op. In fact, many happy couples take their wedding photos here. 
<p>The Pergola, overlooking West Heath, is carefully cultivated to look like some overgrown ancient palace, and the garden has a beautiful range of unique cultivars for plant lovers. It’s a bit of a hike and feels very tucked away, but that only adds to its allure. 


<a id="claim-to-fame"></a><h3>&#x1f451;  Hampstead's claim to fame</h3>

<p>Hampstead's greatest claim to fame is quite clearly the Heath. Hampstead Heath is the incredible wild park that inspired the Chronicles of Narnia. It's become the subject matter of many paintings including works by John Constable and Gillian Lawson. Famous poets like John Keats and authors like Zadie Smith wrote about the Heath.

<p><b>Famous faces</b></p>
<p>As for famous faces, an incredible amount of celebrities have found their haven in Hampstead - Ricky Gervais, Lewis Capaldi, Harry Styles, Helena Bonham Carter, Olivier Giroud, Sam Smith, Dame Judi Dench, Sting... From actors to artists to politicians to sportspeople, there are far too many who've graced these cobbled streets for us to list them all. 
<small><p style="text-align: right"><a href='#to-the-top' target='_blank'>^ To the top</a></small>

<figure>
<img src='https://page-assets.foxtons.co.uk/news-images/2025/02/foxtons-hampstead-office/720.jpg' alt=''>
<figcaption>Foxtons office in Hampstead | Photo by: Foxtons Specialist Video & Photography</figcaption>
</figure>





<a id="commute"></a><h3>&#x1f687;  Commuting from Hampstead</h3>

<blockquote class='pullquote_right'>
<img src='https://page-assets.foxtons.co.uk/news-images/2025/02/hampstead-map/480.png' alt='where is hampstead'>
</blockquote>
<p>Hampstead may feel like a world of its own, but it’s surprisingly well connected. The Northern Line serves stations such as Hampstead, Belsize Park, Highgate, and Chalk Farm. Swiss Cottage and Finchley Road have access to the Jubilee Line and Metropolitan Line. London Overground stations include Hampstead Heath, Finchley Road, Frognal and Gospel Oak.

<a id="where-is-hampstead"></a><h3>&#x1f4cd;  Where is Hampstead?</h3>
<p>Hampstead is in Zone 2 and 3, in the London Borough of Camden, in North London.</p>

<small><p style="text-align: right"><a href='#to-the-top' target='_blank'>^ To the top</a></small>

<hr> 

<a id="quick-links"></a><p><b>Quick links:</b> 

<blockquote class='pullquote_right'>
<a href='https://www.foxtons.co.uk/discover/2024/12/at-your-service-even-after-the-sale' target='_blank'><img src='https://page-assets.foxtons.co.uk/news-images/2024/11/video-concierge/720.png' alt='London concierge service'></a><p><small>When you move to Hampstead, see <a href='https://www.foxtons.co.uk/discover/2024/12/at-your-service-even-after-the-sale' target='_blank'>what Foxtons Concierge can do for you</a>.</small>
</blockquote>

<p style="margin-left: 25px"><a href='https://www.foxtons.co.uk/living-in/hampstead' target='_blank'>Foxtons overview of the Hampstead property market</a>: See the latest figures on house prices and rental prices in Hampstead.
<p style="margin-left: 25px"><a href='https://www.foxtons.co.uk/local-life/hampstead' target='_blank'>Hampstead Local Life Guide</a>: Explore local recommendations, and what’s on in the area this week.
<p style="margin-left: 25px"><a href='https://www.foxtons.co.uk/education/camden/' target='_blank'>Borough of Camden School Guide</a>: From nursery to university, see our guide to Hampstead schools (and the greater Camden borough), using information from the Department of Education.
<p style="margin-left: 25px">Foxtons Commuter Search: Is Hampstead an easy commute for you? See <a href='https://www.foxtons.co.uk/properties-to-rent%20/travel' target='_blank'>properties to rent</a> and <a href='https://www.foxtons.co.uk/properties-for-sale%20/travel' target='_blank'>properties for sale</a> by travel time.

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<a href="https://www.foxtons.co.uk/properties-for-sale/hampstead" class="cta-button cta-button-primary">Browse <b>Hampstead homes for sale</b></a>

<a href="https://www.foxtons.co.uk/properties-to-rent/hampstead" class="cta-button cta-button-primary">Browse <b>Hampstead homes to rent</b></a><br>

<a href="https://www.foxtons.co.uk/myfoxtons/applicants" class="cta-button cta-button-secondary">
  
Tell our experts what you're looking for - we'll help you find it
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   <p><p><b>Source:</b> This article has been compiled in collaboration with the <a href='https://www.foxtons.co.uk/contact/foxtons_hampstead_estate_agents' target='_blank'>Foxtons Hampstead</a> office, who have verified all information within it. Our Hampstead team are experts on the local market and truly understand what the area has to offer. 
<p>For more information about living in Hampstead, or to discuss your property needs, pop into the office: <b>47 Heath St, London NW3 6UA</b> or call the team at <b><a href="tel:020 7433 6600">020 7433 6600</a></b></div>



greenwich-park

<h2 class='intro_basic'>Are you mulling over a move to Greenwich, or have you already picked up your keys? Let us guide you through this East London gem on the Thames, introducing its old-world charm and adventurous spirit.</h2>
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<p><font color= "#017163" ><b>Just moved in?</b> Be sure to talk to <a href='mailto:concierge@foxtons.co.uk?subject=Greenwich%20Area%20Guide' target='_blank'>Foxtons Concierge</a>, so we can help you get set up.</p>
</small></div> 
<hr>

<P><b>Jump to:</b> 
<p style="margin-left: 25px;">Considering Greenwich? <a href='#ask-our-experts' target='_blank'>Ask our experts</a> | <a href='#property-market' target='_blank'>Greenwich's property market</a></p>

<p style="margin-left: 25px; margin-right: 25px;">New in town? <a href='#explore-the-area' target='_blank'>Explore the area</a> | <a href='#meet-your-neighbours' target='_blank'>Meet your neighbours</a></p>
<p style="margin-left: 25px;">Greenwich's personality: <a href='#claim-to-fame' target='_blank'>What Greenwich is known for</a> | <a href='#pictures' target='_blank'>Most picturesque spot</a> 
<p style="margin-left: 25px; margin-right: 25px;">The details: <a href='#commute' target='_blank'>Commuting from Greenwich</a> | <a href='#where-is-greenwich' target='_blank'>Where is Greenwich?</a> | <a href='#quick-links' target='_blank'>Quick links</a></center>

<hr>

<figure>
<img src='https://page-assets.foxtons.co.uk/news-images/2025/02/greenwich-market/720.jpg' alt='Greenwich Market'>
<figcaption>Food, art, fashion, antiques, flowers, home goods...you'll find it all at Greenwich Market. | <a href='https://www.foxtons.co.uk/' target='_blank'>Greenwich Market</a> by <a href='https://www.flickr.com/photos/mersy/5590256066/in/photolist-9vZwnh-pP89i-bDkCUx-8j9ACK-pP7Qf-pP8vS-pP8y3-4xdmJC-8jcR4S-8jcRcG-pP7Xw-pP84q-pRbf1-8j9ADF-8ux9HN-pP8pe-pP8jV-pP8cy-pP7Sb-pP7Lr-pP7J2-pP8hM-pP8fb-21NX5nd-MptvC-JwJc29-8uu6Va-9iS3P2-8uu8pg-59Tive-JhBghV-8uu4hi-9iRYgK-8uu63V-8uxdpJ-9iVeaj-8uu5Ax-pYLaBW-8ux9ks-8uu6tM-8ux8rC-8uu3pZ-8uxdN7-2psu2cu-9iV68A-9iS6bz-8uxcsG-9iS4iP-9iS4zi-4XNJLH' target='_blank'>Masashi Yanagiya</a> | <a href='https://creativecommons.org/licenses/by-sa/2.0/' target='_blank'>CC BY-SA</a> | Flickr</figcaption>
</figure>


<a id="explore-the-area"></a><h3>Your perfect first day in Greenwich: how to explore the area</h3>

<p style="margin-left: 25px">&#x1f31e; Ready to explore? Grab your phone (you'll want pics). Riverside paths along the Thames make the most amazing summer walks – with plenty of pubs along the way to reward your efforts with a cold pint in a sunny beer garden. 

<p style="margin-left: 25px">&#x2614;  Keep an eye out for gigs – the O2's right on your doorstep for last-minute tickets to the big names. 


<p style="margin-left: 25px">&#x1f6d2; Royal Hill's gorgeous row of shops are worth a wander, and <a href='https://greenwichmarket.london/' target='_blank'>Greenwich Market</a>'s food court is a feast for the senses.

<a id="meet-your-neighbours"></a><h3>&#x1f44b; Meet your neighbours: who lives in Greenwich? </h3>

<p>Many move to Greenwich for two things. First, for its excellent connections into Central London, you're just a 10-minute train away from the suits of Canary Wharf and the buzz of London Bridge. However, Greenwich feels worlds away from city life. And second, village charm rules – independent shops, cobbled streets in the market and enough green spaces to make you realise living in London is not like other cities.

<p>It's a proper mix here. Uni students and parents of school-aged children love Greenwich for its academic merit, whilst city workers appreciate the easy commute. We find many families and first-time buyers focus their search on Greenwich with the intention to put down roots because there’s such a range of properties in a very handy location.

<small><p style="text-align: right"><a href='#to-the-top' target='_blank'>^ To the top</a></small>


<figure>
<img src='https://page-assets.foxtons.co.uk/news-images/2025/02/greenwich-homes/720.jpg' alt='Property in Greenwich'>
<figcaption>Greenwich has beautiful homes on the market. | Photo by Foxtons Specialist Video & Photography team</figcaption>
</figure>



<a id="ask-our-experts"></a><h3>&#x1f50d; Is Greenwich a good place to live? </h3>
<p>Florence Longhurst and Divyesh Bhanderi, who manage Foxtons Greenwich office, think so. 

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   <p><i>"Greenwich is not only steeped in history but also boasts an undeniable charm and beauty. The area is known for picturesque streets, lush green spaces, and stunning riverside views. Living in Greenwich means having Greenwich Park as your backyard, where you can enjoy peaceful walks, picnics, and beautiful views of London.

 <p>"The local community is vibrant and welcoming, with a variety of pretty cafes, markets, and unique shops that give the area a cozy, village-like feel. The Thames Path offers a scenic route for joggers and cyclists, and the proximity to the river adds a refreshing touch to daily life.

 <p>"Greenwich is also a fantastic place to work, with excellent transport links to central London, making commuting a breeze. The area's blend of historic charm and modern amenities creates a perfect balance for both professional and personal life. Whether you're admiring the stunning architecture of the Old Royal Naval College or enjoying a riverside meal, Greenwich truly offers a delightful living and working environment."</i>
</b>:

<p style="text-align: right">Florence Longhurst,<br><small><b>Operations Director - Sales</small></b></p>

</div> 



<a id="property-market"></a><h3>&#x1f3e1; Find your home: the Greenwich property market</h3> 
<p>Greenwich does period properties beautifully, with loads of Victorian and Edwardian terraces that have been lovingly converted. But if modern's more your style, check out the glamorous modern new-build developments popping up along the riverfront. 

<small><p style="text-align: right"><a href='#to-the-top' target='_blank'>^ To the top</a></small>

<figure>
<img src='https://page-assets.foxtons.co.uk/news-images/2025/02/greenwich-park/720.jpg' alt='South London cafes'>
<figcaption>Photo: A walk up the hill is absolutely worth it in Greenwich Park. | Photo by: <a href='https://unsplash.com/@fasbytes' target='_blank'>Fas Khan</a> - <a href='https://unsplash.com/license' target='_blank'>Unsplash</a></figcaption>
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<blockquote class='pullquote_right'>
<a href='https://www.foxtons.co.uk/discover/2023/04/the-benefits-of-living-near-a-world-heritage-site-greenwich' target='_blank'><img src='https://page-assets.foxtons.co.uk/news-images/2025/02/maritime-museum/480.jpg' alt=''></a><P><small>“The National Observatory, the Maritime Museum, the Queens House and Greenwich Hospital, Old Royal Naval College and the Prime Meridian…
<br>This World Heritage site is more of a collection. Each building it includes has significance in the history of exploration - through land, sea and the night sky.”
<p style="text-align: right">From: <a href='https://www.foxtons.co.uk/discover/2023/04/the-benefits-of-living-near-a-world-heritage-site-greenwich' target='_blank'>The Benefits of Living near a World Heritage Site</a></p>
</small>
</blockquote>
<p><a id="pictures"></a><big><big><font color= "#017163" >&#x1f4f8; Greenwich's most insta-worthy spot</font color></big></big>
<p>Greenwich is beautiful all around. However, the most picturesque spot is easily Greenwich Park. You'll see people taking pictures here all the time. Just hike the hill and you will find the most breathtaking views of the London skyline. 

<p><a id="claim-to-fame"></a><big><big><font color= "#017163" >&#x1f451;  Greenwich’s claim to fame</font color></big></big></h3>





<p>Sure, Greenwich is best known as the home of the Prime Meridian (as in <i>Greenwich</i> Mean Time), but we've also got London's only <a href='https://www.rmg.co.uk/whats-on/planetarium-shows?bcndyn=d2lkOjQ2NnxjaWQ6NTU1&gad_id=713421967124&utm_campaign=Google_Ads&gad_source=1&gclid=CjwKCAiA74G9BhAEEiwA8kNfpQT2qtDLrUwVXn1q__RL3Sp0h6az_44aFxzP6E-3iwUFPCb_8Jqt2BoC34QQAvD_BwE' target='_blank'>planetarium</a> and <a href='https://www.visitgreenwich.org.uk/things-to-do/the-tide-p1397821' target='_blank'>The Tide</a> – the city's first elevated riverside park. 
<p><big>Born in Greenwich:</big> 
<p>Actual royalty were born here – King Henry VIII and Queen Elizabeth I were born in Greenwich Palace. Dame Vanessa Redgrave and footballer Chris Smalling also started in Greenwich. 


<small><p style="text-align: right"><a href='#to-the-top' target='_blank'>^ To the top</a></small>

<figure>
<img src='https://page-assets.foxtons.co.uk/news-images/2025/02/uber-boat-thames-clipper/720.jpg' alt='Thames Clipper'>
<figcaption>From Tower to Greenwich in about 20 minutes of beautiful river views – that’s community in style! | Photo by: <a href='https://unsplash.com/@jasont378' target='_blank'>Jay Alexander</a> - <a href='https://unsplash.com/license' target='_blank'>Unsplash</a></figcaption>
</figure>



<a id="commute"></a><h3>&#x1f687;  Commuting from Greenwich</h3>

<p>You're spoilt for choice: hop on the Jubilee line, DLR, or head to the Pier to catch a Thames Clipper boat (you can tap in with your Oyster). Want something different? Take the cable car over to Royal Docks – the views are incredible. 

<a id="where-is-greenwich"></a><h3>&#x1f4cd;  Where is Greenwich?</h3>
<p> Greenwich is in Zone 2, in the Royal Borough of Greenwich, in East London.</p>

<small><p style="text-align: right"><a href='#to-the-top' target='_blank'>^ To the top</a></small>

<hr> 

<a id="quick-links"></a><p><b>Quick links:</b> 

<blockquote class='pullquote_right'>
<a href='https://www.foxtons.co.uk/discover/2024/12/at-your-service-even-after-the-sale' target='_blank'><img src='https://page-assets.foxtons.co.uk/news-images/2024/11/video-concierge/720.png' alt=''></a><p><small>When you move to Greenwich, see <a href='https://www.foxtons.co.uk/discover/2024/12/at-your-service-even-after-the-sale' target='_blank'>what Foxtons Concierge can do for you</a>.</small>
</blockquote>

<p style="margin-left: 25px"><a href='https://www.foxtons.co.uk/living-in/greenwich' target='_blank'>Foxtons overview of the Greenwich property market</a>: See the latest figures on house prices and rental prices in Greenwich.
<p style="margin-left: 25px"><a href='https://www.foxtons.co.uk/local-life/greenwich' target='_blank'>Greenwich Local Life Guide</a>: Explore local recommendations, and what’s on in the area this week.
<p style="margin-left: 25px"><a href='https://www.foxtons.co.uk/education/greenwich/' target='_blank'>Greenwich School Guide</a>: From nursery to university, see our guide to Greenwich schools, using information from the Department of Education.
<p style="margin-left: 25px">Foxtons Commuter Search: Is Greenwich an easy commute for you? See <a href='https://www.foxtons.co.uk/properties-to-rent/travel' target='_blank'>properties to rent</a> and <a href='https://www.foxtons.co.uk/properties-for-sale/travel' target='_blank'>properties for sale</a> by travel time.

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Tell our experts what you're looking for - we'll help you find it
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<br><hr><br>
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   <p><p><b>Source:</b> This article has been compiled in collaboration with the <a href='https://www.foxtons.co.uk/contact/foxtons_greenwich_estate_agents' target='_blank'>Foxtons Greenwich</a> office, who have verified all information within it. Our Greenwich team are experts on the local market and truly understand what the area has to offer. 
<p>For more information about living in Greenwich, or to discuss your property needs, pop into the office: <b>326-328 Creek Rd, London SE10 9SW</b> or call the team at <b><a href="tel:020 8879 2179">020 8879 2179</a></b></div>



Property focus

Landlords

bankrobbers-pink-house-notting-hill

<h2 class='intro_basic'>Even in Notting Hill, famous for its colourful homes, one property on Lonsdale Road stops people in their tracks. Standing proudly between the brick houses, you can't miss this beloved home painted brilliant pink with brass lion's head doorknockers. Welcome to Bank Robber House – the property that has London talking. </h2>


<h3>&#x1f3a5; Watch: tour of Notting Hill's Pink House with Foxtons</h3>
<p>Step inside with Dani, our Operations Director for Lettings at Foxtons Notting Hill, as she reveals what makes this beloved property so special:
<center><div style="padding:100.78% 0 0 0;position:relative;"><iframe src="https://player.vimeo.com/video/1051602523?h=f9a79e4db1&amp;badge=0&amp;autopause=0&amp;player_id=0&amp;app_id=58479" frameborder="0" allow="autoplay; fullscreen; picture-in-picture; clipboard-write" style="position:absolute;top:0;left:0;width:100%;height:100%;" title="The Pink House"></iframe></div><script src=https://player.vimeo.com/api/player.js></script></center>

<p>This rare gem offers a chance to own a piece of Notting Hill history. Whether you're seeking a distinctive home or an exceptional letting opportunity, Bank Robber House delivers both character and charm in equal measure.

Ready to see it for yourself? Ring our <a href='https://www.foxtons.co.uk/contact/foxtons_notting_hill_estate_agents' target='_blank'>Notting Hill</a> team at 020 7616 7000 to arrange a viewing.

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<a href="https://www.foxtons.co.uk/properties-for-sale/w11/chpk0193449" class="cta-button cta-button-primary">Arrange a viewing</a>

<a href="tel:020 7616 7000" class="cta-button cta-button-secondary">
  
 &#x1f4f1; Call the Notting Hill office 
</a>

</center>



<h3>Key Features</h3>
<p style="margin-left: 25px"> •	A stone's throw from Portobello Road
<p style="margin-left: 25px"> •	Twin accent fireplaces
<p style="margin-left: 25px"> •	Private roof terrace for al fresco dining
<p style="margin-left: 25px"> •	Contemporary open-plan kitchen
<p style="margin-left: 25px"> •	Exposed original brickwork
<p style="margin-left: 25px"> •	Potential for long and short-term lets
<h3>Why is it called Bank Robber House?</h3>
<p>The house earned its playful nickname from its neighbour, the former Bankrobber Gallery. This contemporary art space, known for showcasing works by local legend Banksy, once displayed pieces within the pink house itself. While the gallery has since moved to private sales, the name stuck.

<br><hr><br>
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   <p><p><small><b>Source:</b> This article features our Operations Director - Lettings for <a href='https://www.foxtons.co.uk/contact/foxtons_notting_hill_estate_agents' target='_blank'>Foxtons Notting Hill office</a>. office brings decades of local expertise and unrivalled market knowledge to this iconic London village. Put our experience to work in your property journey.</small></div>


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<div class="panel">
  <p>Good afternoon, I’m Dani from Foxtons, and welcome to another afternoon of looking at some incredible properties. 
  
<p>I’m here in the heart of Notting Hill Gate on a brilliant street called Westbourne Grove. Those of you that know it, it has wonderful eateries, great restaurants and some lovely shops…but that’s not why we’re here. Let’s go and have a look at this unique, different kind of property. 

  <p>Come on in, then! What do you think of this? 872 square feet, converted stable from the 1890s. 

  <p>As you can see, it still holds the original brick curved ceiling. But what I love about this place that you don’t see very often is two unique fireplaces. And in a room this size, it’s going to get hot.

  <p>The lower ground floor comprises a large bedroom with an en suite leading to a patio. At the top of the spiral staircase, you can enjoy your private room. 
Thank you for visiting the Pink House with me today in Notting Hill. 

  <p>If you have any further enquiries, it’s all in the information below. I’m Dani from Foxtons. Have a great day; see you next time! 

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london-house-price-affordability

<h2 class='intro_basic'>Nationwide’s new <a href='https://www.nationwidehousepriceindex.co.uk/reports/affordability-stretched-but-gradually-improving' target='_blank'>Housing Affordability Report</a> reveals that affordability has improved for house buyers across the country.</h2>
<p>Straight away, we should say that this is not a sweeping surge in affordability where every mortgage application breezes through. Affordability is still stretched, particularly in London. There is, however, huge potential in a market like this, if you know where to look.
<p>Foxtons CEO Guy Gittins says, “In fact, we’ve actually seen mortgage approval levels climb by 31% in the last 12 months versus the 12 months prior. At the same time, there’s been some 3.4% more homes sold across the UK market, with over one million transactions taking place over the last 12 months.”


<figure>
<img src='https://page-assets.foxtons.co.uk/news-images/2025/01/london-property-affordability/720.jpg' alt='London skyline'>
<figcaption>Photo by Foxtons Specialist Video & Property</figcaption>
</figure>

<h3>What improved affordability looks like in London</h3>
<p>While London saw the greatest improvement to affordability of any region, it’s still home to the highest house prices. That’s life in the big city – and it’s also a big reason people rate property ownership here so highly.

<p>Guy Gittins comments, “In recent years the property market has performed well in the face of economic uncertainty and, even with higher interest rates and the resulting increase to mortgage rates, we are yet to see the appetite of the nation’s homebuyers dampened.”


<h3>Why has affordability improved?</h3>
<p>Across the UK, the first reason behind affordability’s improvement is that the average growth in earnings is slightly higher than house price growth, giving homeowners more breathing room around those monthly outgoings.

<p>The other reason, which we’ve found particularly motivated our buyers as of late, is that borrowing costs began to come down in 2024. <a href='https://www.foxtons.co.uk/discover/2024/11/news-of-interest-rate-cuts-spark-further-wave-of-homebuyer-excitement' target='_blank'>As we predicted it might</a>, sentiment has improved for lenders. This means the market carries less risk, which can benefit the amount of mortgages lenders offer and approve.

<h3>What’s going to happen to affordability in 2025?</h3>

<p>Andrew Harvey, Senior Economist at Nationwide, thinks this momentum will keep things moving in the right direction for the UK, “Providing the economy recovers steadily, as we expect, the underlying pace of housing market activity is likely to continue to strengthen gradually as affordability constraints ease through a combination of modestly lower interest rates and earnings outpacing house price growth.”

<p>Guy Gittins weighs in with the London analysis: “We currently expect 2025 to bring more of the same and, certainly across the London market, we’ve seen a flurry of buyer activity already this year."

<h3>How this could affect you</h3>
<p>There are many unique opportunities in a market like this. Here’s what you should be paying attention to:





<div id='news_list_holder'><div class='news_list'style='margin:5px 40px'>

<div class="news_list_item">
<a href="https://www.foxtons.co.uk/properties-for-sale/south-east-england" target="_blank"><img src="https://page-assets.foxtons.co.uk/news-images/2025/01/make-your-move-property/720.jpg" class="rsImg" data-rsTmb="" data-rsw="707" data-rsh="397" alt="Good time to buy a home in London" /></a>
<div>
<h3>If you're buying your first home</h3>
<p>Two things you can do to seize new year momentum:
<p style="margin-left: 25px"><b>Talk to the <a href='https://www.foxtons.co.uk/buy/buy_newhomes' target='_blank'>Foxtons New Homes</a> team</b> to <a href='https://www.foxtons.co.uk/discover/2025/01/beat-the-clock-your-A11250-stamp-duty-savings-are-ticking-away' target='_blank'>beat the clock for Stamp Duty savings</a>. We’ve got local experts ready to help you search our incredible selection of new-build homes across the capital to find your perfect home. And with our smooth, streamlined buying process, we will get it done for you before the deadline hits.
<p style="margin-left: 25px"><b>Book your free consultation with <a href='https://www.alexanderhall.co.uk/contact' target='_blank'>Alexander Hall</a></b> mortgage advisers to find out what you can afford. (You might be pleasantly surprised!) Affordability is going to be top of everyone’s minds this year, and the best thing about that is what lenders do with it. As we’ve said when they launched the <a href='https://www.foxtons.co.uk/discover/2024/03/new-99-mortgage-launched-for-firsttime-buyers-with-just-A5000-deposit' target='_blank'>99% mortgage</a> and <a href='https://www.foxtons.co.uk/discover/2024/07/what-makes-own-new-rate-reducer-different-to-other-new-home-mortgage-schemes' target='_blank'>Own New Rate Reducer</a>, lenders are really thinking outside the box to get first-time buyers on the ladder. Our partner broker has an exceptional network of lenders, so they can find the innovative product that works best for you.
</p>
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<a href="https://www.foxtons.co.uk/properties-for-sale/south-east-england" class="cta-button cta-button-primary">Browse property for sale</a>

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<div class="news_list_item">
<a href="https://www.foxtons.co.uk/valuations" target="_blank"><img src="https://page-assets.foxtons.co.uk/news-images/2025/01/selling-property-in-london/720.jpg" class="rsImg" data-rsTmb="" data-rsw="707" data-rsh="397" alt="Good time to sell a home in London" /></a>
<div>
<h3>If you're selling property</h3>
<p>If you’re thinking of selling a home, this is exactly the kind of market you want. House prices are strong, and we have buyers waiting. We'll help you get the right deal done. If you're also in the market to buy, our experts can help you find the perfect place and navigate the whole buying and selling processes simultaneously.</p>

<p>We’re off to a strong start this January, and you could be too – it all begins when you book a valuation:
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   <p><p><b>Source:</b> Featuring Nationwide's Affordability Index and our CEO's market insight, this article was carefully reviewed by Foxtons Sales department, to ensure you've got the best insight for your future move at your fingertips. If you have any questions on anything in this article, <a href='mailto:experts@foxtons.co.uk' target='_blank'>ask a Foxtons expert</a>.</div>




New Homes

stamp-duty-deadline

<h2 class='intro_basic'><big>Remember that lettuce that outlasted Liz Truss? Well, her stamp duty gift is about to wilt too. You've got <b>less than three months</b> to save up to £11,250 on your dream home – and yes, that's enough time if you play it smart... <br>Because with Foxtons New Homes, you could be <b>moving in within 2 weeks</b>.</big></h2>

<p><small>Source: Foxtons New Homes time to complete for a completed development, without mortgage financing, using a recommended solicitor.</small></p>

<p><a href='https://www.foxtons.co.uk/newhomes' target='_blank'><img src='https://page-assets.foxtons.co.uk/news-images/2025/01/grab-january-by-the-foxtons-nh/720.png' alt='London new build homes stamp duty'></a></p>


<h3>Stamp Duty changes: what you need to know</h3>
<p>1 April isn't fooling around. That's when stamp duty rates snap back to their old ways, meaning you'll pay at least 2% tax on anything above £125,000, increasing in the bands you'll find in the chart below.

<p>For first-time buyers, it's an even bigger deal – your tax-free threshold drops from £425,000 to £300,000. Also, the maximum property value you can buy and still claim relief drops from £625,000 to £500,000. That extra £125,000 on the property price is a huge advantage when you’re trying to buy in London.

<p><small>Source: Using official government figures (<a href='https://www.gov.uk/stamp-duty-land-tax/residential-property-rates' target='_blank'>Stamp Duty Land Tax, GOV.UK</a>)</small></p>
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        <strong>With Relief (until 31 March 2025)</strong>
        <p>£0 - £125,000: 0%</p>
<p>£125,000 - £250,000: <span class="highlight">0%</span></p>        
<p>£250,001 - £925,000: 5%</p>
        <p>£925,001 - £1.5m: 10%</p>
        <p>Above £1.5m: 12%</p>
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        <strong>Regular Rates (from 1 April 2025)</strong>
        <p>£0 - £125,000: 0%</p>
        <p>£125,001 - £250,000: <span class="highlight">2%</span></p>
        <p>£250,001 - £925,000: 5%</p>
        <p>£925,001 - £1.5m: 10%</p>
        <p>Above £1.5m: 12%</p>
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    <div class="band-header">Stamp Duty rates for First-Time Buyers</div>
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        <strong>With Relief (until 31 March 2025)</strong>
        <p>0% up to <span class="highlight">£425,000</span></p>
        <p>Relief available on properties up to <span class="highlight">£625,000</span></p>
      </div>
      <div class="rate regular">
        <strong>Regular Rates (from 1 April 2025)</strong>
        <p>0% up to <span class="highlight">£300,000</span></p>
        <p>Relief available on properties up to <span class="highlight">£500,000</span></p>
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<p>Translation? Act now or wave goodbye to your savings of <b>up to £2,500 for next-steppers or £11,250 for first-timers</b>.

<h3>Why new builds are your secret weapon</h3>

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   <font color= "#017163"><big><big> With Foxtons New Homes, <br>you could be <b>moving in within 2 weeks</b>.</big></big></center>
<small><small><p>Source: Foxtons New Homes time to complete for a completed development, without mortgage financing, using a recommended solicitor.</small></small>
</div>
<p>Three months sounds tight, right? That's because it is – unless you're looking at new homes. Our team have the process so streamlined, you’ll have plenty of time to find your perfect one and make the cutoff. But <b>Stamp Duty isn’t the only reason to buy a new build home</b>. Far from it.</p> 

<div id='news_list_holder'><div class='news_list' style='margin:5px 50px'>

<div class="news_list_item">
<a href="https://www.foxtons.co.uk/discover/2023/04/modern-living-in-newbuild-homes" target="_blank"><img src="https://page-assets.foxtons.co.uk/news-images/2023/04/nh-family/720.jpg" class="rsImg" data-rsTmb="" data-rsw="707" data-rsh="397" alt="" /></a>
<div><p style="margin-top: -10px;"><small>New homes are built for <b>modern living</b> - <a href='https://www.foxtons.co.uk/discover/2023/04/modern-living-in-newbuild-homes' target='_blank'>here are the advantages for you.</a></small>
<br><br>
<center><big><big><font color= "#017163" >New build homes are <b>made for you</b>.</big></big>
<p><font color= "#017163" ><b>Worried about energy bills?</b> <i><a href='https://www.foxtons.co.uk/discover/2022/09/could-energy-efficiency-sway-buyers-towards-newbuild-homes' target='_blank'>New homes lead the way in energy efficiency</a>.</i>
<p><b>No time for DIY?</b> <i>New builds are move-in ready; no painting or renovating required.</i>
<p><b>New to homeownership?</b> <i>It's all new, even the appliances, so maintenance is minimal.</i>

<center>
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<a href="https://www.foxtons.co.uk/properties-for-sale/south-east-england?order_by=price_desc&newhomes=1" class="cta-button cta-button-primary">Browse Foxtons New Homes</a>

</center></center></div>
</div>

</div></div>


<p>No surprise for London's number 1 estate agency brand*; our expert New Homes team has a range of properties ready and available. <a href='https://www.foxtons.co.uk/contact/form/investments' target='_blank'>Get in touch with our team</a> to complete before the deadline.

<p><small>*Source: TwentyCI data, 2024 v 2023 market share and market share growth of new instructions at a brand level.</small></p>



<p><a href='https://www.foxtons.co.uk/newhomes' target='_blank'><img src='https://page-assets.foxtons.co.uk/news-images/2025/01/beautiful-new-build/720.jpg' alt='New build home'></a></p>



<h3>Forget what you think you know about new builds</h3>
<p>Plain? Clinical? Give our team a chance, and we'll show you how today's developers are challenging the tired old clichés. 
<p>There's so much room for London’s structural engineers, our architects, our interior designers and property developers to dream up something extraordinary on a brand-new project. And in using best practices honed through decades of urban building innovation you can expect top-quality window installation, heating, plumbing, storage... 

<p>We're talking thoughtful architecture, smart tech integration and welcoming communities built from the ground up.
<h3>Buying before 31 March? Bring it on.</h3>
<p>The clock's ticking, but our New Homes team has properties ready to go. As London's number 1 agent, we've got the expertise to get you over the line before the deadline hits.
<p>Ready to save thousands and start 2025 in your new home? Let's make it happen.



<center>
<style>
  .cta-button {
    display: inline-block;
    padding: 10px 20px;
    margin: 10px 5px;
    font-size: 16px;
    font-weight: bold;
    text-align: center;
    text-decoration: none;
    border-radius: 4px;
    transition: background-color 0.3s ease;
  }
  .cta-button-primary {
    background-color: #fff000;
    color: #017163;
    border: 5px solid #FFF000;
  }
  .cta-button-primary:hover {
    background-color: #FFF999;
  }
  .cta-button-secondary {
    background-color: white;
    color: #017163;
    border: 1px solid #017163;
  }
  .cta-button-secondary:hover {
    background-color: #e6f1ef;
  }
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</style>

<a href="https://www.foxtons.co.uk/contact/form/investments" class="cta-button cta-button-primary">Grab January by the Foxtons</a>

</center>



<br><hr><br>
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   <p><p><b>Source:</b> The Foxtons New Homes team has carefully verified every detail in this guide to ensure you have accurate, actionable information. With the Stamp Duty deadline approaching, our experts are ready to help you navigate the market and secure your savings. Do you have any questions on the information provided? <a href='mailto:experts@foxtons.co.uk' target='_blank'>Ask a Foxtons expert</a>. </div>







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