Falling mortgage rates are bringing welcome relief to first-time buyers. Monthly repayments on the average UK first-time buyer mortgage are now around £355 less than three years ago — easing financial pressure and making homeownership feel more achievable for many ready to take their first step onto the property ladder.

Autumn may not be the first season that comes to mind when people think about moving, but it can be a surprisingly strong time to sell. Buyers who are still active at this stage of the year tend to be serious about completing before Christmas or the new year. With the right preparation, your home can stand out and attract motivated buyers even as the nights draw in.

Many would-be buyers hesitate, waiting for calmer times before taking the plunge. Yet history shows that waiting often costs more than acting. While renters lose money monthly, owners build equity and stability. The market rewards time, not timing—progress starts the moment you buy.

Being a landlord in 2025 comes with fresh challenges, from shifting regulations to changing tenant expectations. Whether you’re experienced or new to lettings, this checklist will help you stay compliant, competitive, and confident in the year ahead.