Let Us Get You Moving in 2026

Why 2026 Is the Perfect Time to Sell and Make Your Move with Elliott James Prime Residential

If you’ve been considering selling your property and making a move, 2026 is shaping up to be one of the most opportune moments in recent years. Here’s why:

Base Rate at Its Lowest in Years

The Bank of England’s base rate currently sits at 3.75%, the lowest it has been for several years. This creates a more favourable borrowing environment, reducing the cost of finance for buyers and increasing affordability. Lower rates often translate into stronger demand, which can help sellers achieve premium prices.

Mortgage Rates Are Falling

Major lenders have already started responding to the base rate drop. HSBC has reduced mortgage rates in January, signalling a trend that other banks are likely to follow. As mortgage rates fall further, more buyers will enter the market, creating competitive conditions that benefit sellers.

Budget Impact Delayed

While there’s been speculation about potential tax changes and budgetary adjustments, the impact has been minimsed by affecting proeprties in excess of £2,000,000 only and this is delayed until 2028. This means sellers and buyers can act now without the immediate pressure of new fiscal measures, making 2026 a window of opportunity before any significant changes take effect.

Reasons to Move in 2026

• Falling Mortgage Rates: Lenders are cutting rates, making mortgages cheaper, with predictions for further drops in the Bank Rate.
• Stable & Balanced Market: The market is expected to be steady, less frantic than previous years, giving buyers more negotiation power and sellers more time to prepare.
• New Homeownership Routes: Rent-to-own schemes offer flexible ways for renters to move in without large deposits and build towards ownership.
• Positive Economic Outlook: While some economic uncertainties remain, many people feel 2026 will be a better year overall, encouraging moves.
• Strategic Timing: Early preparation (like decluttering, minor fixes) makes homes more attractive for a profitable spring sale, say agents.

Why Act Now?

• Increased buyer confidence due to lower borrowing costs.
• A competitive market environment that favours well-presented properties.
• The chance to secure your next home before potential future policy shifts.

At Elliott James Prime Residential, we specialise in guiding clients through strategic moves at the right time. With market conditions aligning in your favour, now is the moment to take advantage of this unique opportunity.

Ready to make your move?
Contact us today to discuss your property and start planning for success in 2026.