It’s one of the biggest questions new and seasoned investors alike are asking: Is now a good time to buy property? In this update, we break down how 2025 is shaping up, and why hesitation could cost you more than action ever will.
⏳ Why Timing the Market is a Myth
Waiting for the ‘perfect time’ often results in missed opportunities. The truth is, timing the market rarely works — time in the market is what matters. Property is a long-term game, and holding off in fear can actually hold your wealth back.
📉 Prices Have Stabilised — But Not For Long
Following recent economic turbulence, we’re now seeing stabilisation in house prices. But affordability remains strong for those with the means — and as interest rates are expected to gradually ease, demand is forecast to pick up again. That means today’s prices might look cheap in hindsight.
📈 What About Interest Rates?
Yes, interest rates have risen — but they are now plateauing and widely expected to start falling in late 2025. Smart investors are locking in deals now, knowing they can refinance when the landscape improves.
🔎 Smart Investors Are Still Buying
What sets successful investors apart is mindset. They’re not chasing perfection, they’re looking for:
- ✅ Below-market deals
- ✅ Strong rental demand
- ✅ Regeneration hotspots
- ✅ Long-term capital appreciation
That’s what we help our clients do every day at Frater Property Partners.
🧠 Frater’s Take
This market is rewarding those who are prepared and educated. If you’re analysing deals, speaking to brokers, and securing assets in strong locations, 2025 is still full of opportunity.
The real question isn’t “Is now a good time to buy?” — it’s “Are you ready to take action while others hesitate?”
Let’s talk strategy — and how to make 2025 the year your portfolio levels up.
🧭 5 Steps to Get Started in Property: The ABCDE Method
Starting your property investment journey can feel overwhelming — but with our simple ABCDE guide, you’ll feel clear and confident from day one.
🅰️ A is for Affordability
Before you start scrolling Rightmove, know your numbers. Work on a budget and estimate your affordability. As a rule of thumb, you’ll need roughly one-third of the property’s value in cash to cover:
- ✅ 25% deposit
- ✅ Stamp Duty
- ✅ Solicitor fees and any refurb costs
💡 Use our Cost Calculator on the website to help you budget like a pro.
🅱️ B is for Broker
A great mortgage broker is your best friend. They’ll help you:
- ✅ Find the right buy-to-let mortgage for your situation
- ✅ Navigate affordability checks and lending criteria
If you don’t own your own home yet, your options might vary, which is why personalised advice matters more than ever.
🇨 C is for Company (or Personal Name?)
Decide how you’ll buy the property — in your personal name or under a Ltd company. This affects your:
- Tax
- Mortgage type
- Long-term returns
📞 Speak to a tax accountant who specialises in property to get this right from day one.
🇩 D is for Due Diligence
Define your strategy. Are you in it for income, capital growth, or both?
- Focus on areas with strong fundamentals: infrastructure, employment, education, transport links
- Look for regions set to grow over the next 5+ years
This is exactly what we help our clients assess at Frater.
🇪 E is for Eventually Find a Property
Now the fun part! Start your search with clarity. Stick to your budget and strategy. Once you’ve found the right property:
- Put your offer in
- Appoint a solicitor (we recommend one with investment experience)
- Stay strict with your numbers and timeline
🎯 The goal: Buy well, buy smart, and start building your wealth.
Want help walking through ABCDE with real numbers and off-market deals? Book a free call with the Frater team today. We’re here to simplify the process — and supercharge your portfolio. https://fraterpropertypartners.com/contact/
Read more insights here:
