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<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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<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>

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<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:

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        <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>
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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;">£300,000</div>
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                <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>
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        <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;">
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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>
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                    <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>
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        <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;">
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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;">£700,000</div>
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                    <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>
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    <p style="color: #6b7280; font-size: 14px; text-align: center; margin-top: 24px;">Based on a 30-year repayment mortgage term</p>
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<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.
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<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>




Landlords

rental-market-april-2025

<h2 class='intro_basic'>Two years ago, you'd easily have your next renter secured in hours. If you want that sort of speed in today's market, you're going to need a strong strategy.<br><br>The March edition of our <a href='https://www.foxtons.co.uk/reports' target='_blank'>Lettings Market Report</a> shows why tenants have more options to consider before signing leases. By understanding what renters are looking for and making the right adjustments to your strategy, you can attract premium renters in this evolving landscape – let us show you how.</h2>


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   <p style="margin-left: 25px; margin-right: 25px;"><i>"For landlords navigating this competitive spring market, these figures present both
opportunity and challenge. You’ll need to act fast to secure premium tenants amid the
growing competition. Now is the optimal time to ensure your listings stand out through
professional photography, competitive pricing and expert salesmanship."</i>

<p style="text-align: right">Gareth Atkins<br><small><b>Managing Director - Lettings</small></b></p>

<center><p style="background-color: #cce3e0;"><a href='https://cms-assets.foxtons.co.uk/2025_04_Lettings_Market_Report_March_2025_LL_21961ec305.pdf' target='_blank'>See the full story in the <b>Lettings Market Report - March 2025</b></a></big></center>
</div> 

<h3>&#x1f4c8; Key numbers from the report</h3>
<p style="margin-left: 25px">• <b>Demand:</b> March saw an 11% month-on-month rise in applicant registrations. Year on year,
demand was stable, tracking just 2% below March 2024 levels.
<p style="margin-left: 25px">• <b>Supply:</b> March saw a 14% increase in new rental listings across London compared to February, marking the strongest month-on-month uplift so far in 2025.
<p style="margin-left: 25px">• <b>Rent achieved:</b> The average rent achieved in March stood at £565 per week, reflecting a 2% increase year on year.

<h3>&#x1f3ac; Watch: What increased supply means for your property</h3>
<p>Sarah Tonkinson, Managing Director - Institutional PRS and Build to Rent shares expert insight on what the increase in listings means for your property and strategy: 

<center><div style="padding:100.78% 0 0 0;position:relative;"><iframe src="https://player.vimeo.com/video/1077665368?h=170cb3bc60&amp;title=0&amp;byline=0&amp;portrait=0&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="Foxtons Lettings Market Report March 2025"></iframe></div><script src=https://player.vimeo.com/api/player.js></script></center>





<h3>Don't forget your EICR</h3>
<p style="margin-left: 45px; margin-right: 45px;"><i>"April 2025 marks five years since the Electrical Safety Standards regulations took effect, requiring rental properties to be inspected by qualified technicians. This document is typically valid for 5 years, which means many original EICRs are now due for renewal..."</i> </p>
<p style="text-align: right; margin-left: 45px; margin-right: 45px;">Fran Giltinan<br><small><b>Managing Director of Property Management</small></b></p>

<center><p style="background-color: #cce3e0;margin-left: 45px; margin-right: 45px;"><a href='https://cms-assets.foxtons.co.uk/2025_04_Lettings_Market_Report_March_2025_LL_21961ec305.pdf' target='_blank'>See the full story in the <b>Lettings Market Report - March 2025</b></a></big></center>
</div> 
<p>Fran shared an important reminder in this month's Lettings Market Report. For many landlords, it's time to renew your EICR to ensure your property is compliant and safe. 
<p>If you do not use Foxtons Property Management (who will organise this process for you) you need to know when your EICR is due for renewal and ensure you have a qualified engineer carrying out the checks. <b>Don't forget your EICR!</b>
<br><br>
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<a href="https://www.foxtons.co.uk/valuations" class="cta-button cta-button-primary"> Get a rental valuation
</a>
<a href="https://www.foxtons.co.uk/landlord/property-management" class="cta-button cta-button-secondary">Explore Foxtons Property Management</a>

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<br><br>
<h5>More insight on the lettings market:</h5> 

<p style="margin-left: 25px">• <a href='https://www.foxtons.co.uk/discover/2020/05/landlord-regulation-update-eicr' target='_blank'>Landlord regulation update: EICR</a>

<p style="margin-left: 25px">• <a href='https://www.foxtons.co.uk/discover/2025/03/landlords-and-data-protection-to-register-or-not-to-register'>Landlords and data protection: to register or not to register</a>

<p style="margin-left: 25px">• <a href='https://www.foxtons.co.uk/discover/2024/03/how-to-grow-your-portfolio-so-it-flourishes-in-the-lettings-rush'>How to grow your portfolio so it flourishes in the lettings rush</a>

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  <p>ST: Right now, we are seeing renters view many more developments before making their decision. They’re comparing everything—from affordability to community and convenience—so your offering must be crystal clear. We’re seeing buildings with fewer amenities leasing quickly because operators can offer lower rents. And lower rents plus the BTR experience is a massive draw.
<p>Meanwhile, competition to reach renters is intensifying. March saw listings jump 14% from February—and yes, that's significantly higher than last year. But the real story is in the trend. Throughout Q1 this year, new listings have consistently outpaced 2022 and 2023. This is an entirely different market dynamic. So the strategies that worked 2-3 years ago won't cut it now.
<P>First and foremost, you’ll need to know how you stack up against your competitors. Particularly with London's cost pressures, affordability has become the make-or-break factor for most renters. A precise, competitive pricing strategy is essential. Your agent should be providing detailed market data to support your strategy.


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 <small>  <p><p><b>Source:</b> 
<p style="margin-left: 25px">•	<b>Market data</b>: Foxtons Business Analytics produces our monthly Lettings Market Report, leveraging cutting-edge technology and our exclusive database, one of the largest for London's property market, to provide unparalleled insights for our landlords each month.
<p style="margin-left: 25px">•	<b>Expert insight</b>: To provide you with the most value, this article features our leading lettings experts. Our team's hands-on experience comes from many years in the industry with London's leading lettings agency, so you can rely on our practical, market-tested insight. 
<p>This blend of data-driven analysis and expert commentary offers a comprehensive view of the market, helping landlords navigate any market conditions with confidence. For any questions on the report or insight, <a href="mailto:experts@foxtons.co.uk">ask a Foxtons expert</a>.</small>
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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="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>
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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:




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<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.


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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>



march-2025-rental-market

<h2 class='intro_basic'>It's a whole new rental landscape, demanding a fresh approach as tenant behaviours and lettings regulations change. Our latest <a href='https://www.foxtons.co.uk/reports/lettings-report/lettings-market-report-february-2025' target='_blank'>Lettings Market Report</a>, analysing February's figures and looking forwards to the spring season, may help you maintain your competitive edge in London's increasingly complex lettings market.</h2>

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   <p style="margin-left: 25px; margin-right: 25px;"><i>"The Renters' Rights Bill will introduce the Decent Homes Standard to private rentals. We’re waiting on details, but it will likely mirror social housing requirements for ‘reasonably modern facilities’ and ‘thermal comfort.’ Combined with the new landlord ombudsman, this will impact the time you spend on property management...”</i>

<p style="text-align: right">Fran Giltinan<br><small><b>Managing Director - Property Management & Customer Experience</small></b></p>

<center><p style="background-color: #cce3e0;"><a href='https://www.foxtons.co.uk/reports/lettings-report/lettings-market-report-february-2025' target='_blank'>Read the full quote in the <b>Lettings Market Report - February 2025</b></a></big></center>
</div> 

<h3>&#x1f4c8; Key numbers from the report</h3>
<p style="margin-left: 25px">• Applicant demand has remained within 3% of February 2024 levels.
<p style="margin-left: 25px">• Market activity remains strong, with new listings just 2% below last year’s high levels.
<p style="margin-left: 25px">• The average rent now stands at £557 per week, slightly higher than in 2024.

<h3>&#x1f3ac; Watch: Insight on the current London market</h3>
<p>Our Managing Director of Lettings, Gareth Atkins, breaks down what's happening in London's rental market right now and what properties are winning with today's choosier tenants:
<center><div style="padding:100.78% 0 0 0;position:relative;"><iframe src="https://player.vimeo.com/video/1064696459?h=6a319f5309&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="Lettings Market Report - Expert Market Insight - March 2025"></iframe></div><script src=https://player.vimeo.com/api/player.js></script></center>

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<a href="https://www.foxtons.co.uk/valuations" class="cta-button cta-button-primary"> Get a rental valuation
</a>
<a href="https://www.foxtons.co.uk/landlord/property-management" class="cta-button cta-button-secondary">Explore Foxtons Property Management</a>

</center>

<center><p style="background-color: #cce3e0;"><a href='https://www.foxtons.co.uk/reports/lettings-report/lettings-market-report-february-2025' target='_blank'>Read our latest <b>Lettings Market Report - February 2025</b></a></big></center>
</div> 

<br><br>
<h5>More articles for London landlords:</h5> 

<p style="margin-left: 25px">• <a href='https://www.foxtons.co.uk/discover/2024/03/how-to-grow-your-portfolio-so-it-flourishes-in-the-lettings-rush' target='_blank'>How to grow your portfolio so it flourishes in the lettings rush</a>
<p style="margin-left: 25px">• <a href='https://www.foxtons.co.uk/discover/2025/02/sanction-changes-coming-to-the-lettings-market-in-may' target='_blank'>Sanction changes coming to the Lettings Market in May</a>

<p style="margin-left: 25px">• <a href='https://www.foxtons.co.uk/discover/2025/01/new-year-new-hires-the-best-time-for-landlords-to-embrace-corporate-housing' target='_blank'>Top tips for letting your property to corporate tenants</a>

<p style="margin-left: 25px">• <a href='https://www.foxtons.co.uk/discover/2024/05/landlord-responsibilities-what-repairs-are-landlords-responsible-for' target='_blank'>What repairs are landlords responsible for</a>



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<div class="panel">
  <p>GA: "Whilst demand and supply closely resemble last year’s figures, as we predicted, today's landscape stands worlds apart from 2023's frenzied market. Gone are the days when tenants made snap decisions to beat out the competition. The 2025 tenant is discerning, exploring multiple options and neighbourhoods before committing. Especially when the Renters' Rights legislation comes into effect, well-priced, high-quality properties will win the day. Savvy landlords are already adapting their strategies – refreshing properties, reviewing pricing models and calling in experienced agents to stay competitive in this evolved marketplace."
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 <small>  <p><p><b>Source:</b> 
<p style="margin-left: 25px">•	<b>Market data</b>: Foxtons Business Analytics produces our monthly Lettings Market Report, leveraging cutting-edge technology and our exclusive database, one of the largest for London's property market, to provide unparalleled insights for our landlords each month.
<p style="margin-left: 25px">•	<b>Expert insight</b>: To provide you with the most value, this article features our leading lettings experts. Our team's hands-on experience comes from many years in the industry with London's leading lettings agency, so you can rely on our practical, market-tested insight. 
<p>This blend of data-driven analysis and expert commentary offers a comprehensive view of the market, helping landlords navigate any market conditions with confidence. For any questions on the report or insight, <a href='mailto:experts@foxtons.co.uk?subject=March%20Lettings%20Market%20Report%20Article' target='_blank'>ask a Foxtons expert</a>.</small>
 </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>

  
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<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="reform-container">
  <div class="reform-card">
    <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>
      </div>
      <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>
  </div>
  
  
  <div class="reform-card">
    <div class="card-header">Right to Manage</div>
    <div class="card-content">
      <div class="info-row">
        <div class="label">Status:</div>
        <div class="value"><span class="active-status">Active since 3 March 2025</span></div>
      </div>
      <div class="info-row">
        <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>
  </div>
  
  
  <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>
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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>
  </div>
  
  
  <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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<a href="https://www.foxtons.co.uk/valuations" class="cta-button cta-button-primary">Book a valuation</a>

<a href="tel:020 7893 6300" class="cta-button cta-button-secondary">
  
  &#x1f4f1; Call 020 7893 6300</a>

</center>
</div> 

<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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<a href="https://www.foxtons.co.uk/myfoxtons/buyers" class="cta-button cta-button-primary">Let us know - we'll help search</a>

<a href="https://www.foxtons.co.uk/properties-for-sale/south-east-england" class="cta-button cta-button-secondary">
  
 Browse homes for sale</a>

</center>
</div> 

<br><hr><br>
<div style="background: #00000; 
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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>

february-london

<h2 class='intro_basic'>Love is in the air, and so are Foxtons "For Sale" signs. This Valentine's Day, we're playing Cupid for London properties and the timing couldn't be better. <a href='https://www.rightmove.co.uk/press-centre/february-march-are-the-best-months-to-list-a-home-for-sale/' target='_blank'>Rightmove's latest study</a> says nearly 7 out of 10 properties listed in February go on to complete.</h2>



<p><a href='https://www.foxtons.co.uk/' target='_blank'><img src='https://page-assets.foxtons.co.uk/news-images/2025/02/number-1-month-to-list/720.jpg' alt=''></a></p>



<h3>Why are buyers so fond of February?</h3>
<p><a href='https://www.rightmove.co.uk/press-centre/february-march-are-the-best-months-to-list-a-home-for-sale/' target='_blank'>Rightmove's data</a> shows February isn't just for romance – it's also the best time to list a property. 
<p>Analysing sales from 2012 to 2023, the study showed January and February to be the two months when a new property listing will find a buyer fastest - just 51 days. Meanwhile, nearly seven in 10 homes (66.3%) listed in February and March went on to complete as a successful sale. So it turns out, <b>February is the sweet spot</b>.
<div style="font-family: system-ui, -apple-system, sans-serif; max-width: 500px; margin: 0 auto;">
    
    <div style="display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; margin: 1.5rem 0;">
        <div style="background: linear-gradient(155deg, #fff000, #fffccc); color: #017163; padding: 2rem; border-radius: 1rem; text-align: center; box-shadow: 0 8px 16px rgba(0,0,0,0.1);">
            <div style="font-size: 3rem; font-weight: 800; margin: 0;">&#x1f3e1;<br>~7 <small><small><small><small>of</small></small></small></small> 10</div>
            <div style="width: 50px; height: 3px; background: white; margin: 1rem auto;"></div>
            <p style="font-size: 1.2rem; color: #017163; margin: 0;">homes listed in February<br>complete a sale</p>
        </div>

        
        <div style="background: linear-gradient(180deg, #017163, #01443b); color: #fff000; padding: 2rem; border-radius: 1rem; text-align: center; box-shadow: 0 8px 16px rgba(0,0,0,0.1);">
            <div style="font-size: 4rem; font-weight: 800; margin: 0;">51</div>
            <div style="width: 50px; height: 3px; background: #fff000; margin: 1rem auto;"></div>
            <p style="font-size: 1.2rem; color: white; margin: 0;">days to find a buyer in the fastest month of the year</p>
<div style="font-size: 4rem; font-weight: 800; margin: 0;">&#x23f1; </div>
        </div> </div>
    </div>
<h3>The 2025 market is looking rosy</h3>

<p>We are seeing a definite rise in positive sentiment, and it's enough to make even the most cynical heart flutter.

<blockquote class='pullquote_right'>
<a href='https://www.foxtons.co.uk/discover/2025/02/mortgage-rates-below-4-are-back-is-it-time-to-buy' target='_blank'><img src='https://page-assets.foxtons.co.uk/news-images/2025/02/bank-of-england-building/1600.jpg' alt=''></a><p><small>Read the article: <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 are back below 4% - time to buy?</a></small></p>
</blockquote>

<p>Just yesterday, we shared the exciting news of <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 dipping below 4%</a>.</b>  This is a significant milestone for buyers, and as an industry expert at Alexander Hall mortgage brokers put it, it's broken that "psychological barrier" that's been keeping some buyers on the fence.  They're seeing this positive shift firsthand in their clients, and we're seeing it too.

<p><b>Lenders are feeling the love</b> as well. Sentiment is improving, which opens up opportunities for lenders to deliver a wider range of mortgage products, and potentially, <a href='https://www.foxtons.co.uk/discover/2025/01/is-now-the-time-expert-insight-on-housing-affordability-in-2025' target='_blank'>to ease affordability checks for mortgage applications</a>. It's particularly exciting to see more <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'>innovative products to help first-time buyers</a>.  

<P>All this positive sentiment? The data backs it up. <a href='https://www.foxtons.co.uk/' target='_blank'>Rightmove's research</a> puts <b>buyer demand up 8%</b> compared to the same period last year, and the number of <b>sales agreed up 15%.</b>

<figure>
<a href='https://www.foxtons.co.uk' target='_blank'><img src='https://page-assets.foxtons.co.uk/news-images/2025/02/match-made-in-london/720.jpg' alt=''></a>
<figcaption>Photo by Foxtons Specialist Video & Photography</figcaption>
</figure>



<h3>A match made in London</h3>
<p>They say in love, you'll find "the one" when you stop looking. But in property? That's precisely when you need to cast the widest net possible. 

<div style="font-family: system-ui, -apple-system, sans-serif; max-width: 300px; margin: 0 auto;">
    <div style="background: linear-gradient(135deg, #cce3e0, #0000); color: #017163; padding: 2rem; border-radius: 1rem; margin: 1.5rem 0; text-align: center; box-shadow: 0 8px 16px rgba(0,0,0,0.1); position: relative; overflow: hidden;">
      
        <div style="font-size: 2.5rem; font-weight: 500; margin: 0;">The <big><big>1</big></big><br> for you</div>
        <div style="width: 50px; height: 3px; background: #fff000; margin: 1rem auto;"></div>
        <p style="font-size: 1.2rem; color: #017163; margin: 0;">This February, partner your sale with the one who will get it done; Foxtons, London’s number 1 agent.

<br><br><small><small><small><small>Source: TwentyCI data, 2024 v 2023 market share and market share growth of new instructions at a brand level.</small></small></small></small></p>
    </div>
</div>
<p>London isn't just one market – it's a complex network of vibrant communities, each with its own charms. Your perfect buyer might be dreaming of your postcode right now... or they might not even know they want it yet. <a href='https://www.foxtons.co.uk/reports/the-london-report/london-report-2023' target='_blank'>Two out of every five Foxtons buyers</a> ends up moving to an area outside their initial search. So, if your agent is only selling your property to people looking in their local patch, they’ve missed an entire audience of motivated buyers. 
<p>That's why, at Foxtons, we ensure our Negotiators have every opportunity to play matchmaker between buyers and neighbourhoods. With over 50 connected offices across the capital, our agents can show properties anywhere – not just their assigned patch – and use the latest data from our entire network to reach your buyer, no matter where their search began.

<h3>Finding love in the number 1 month to list</h3>

<blockquote class='pullquote_right'>
<a href='https://www.foxtons.co.uk' target='_blank'><img src='https://page-assets.foxtons.co.uk/news-images/2024/02/soldmate/720.jpg' alt=''></a><center><p>In love and property, <br><b>timing is everything</b>. <br>And right now? <br>It's <b>perfect</b>.
</blockquote>


<p>People always wonder: “when is it the right time to get my property valued?” 
<p>The natural preference is to see what’s out there first, before you jump into the market with your own property. But if you start by looking for your next home, and wind up finding 'the one,' your sale will not happen in time to buy it. 
<p>Don't let your property be the one that got away. <a href='https://www.foxtons.co.uk/valuations' target='_blank'>Book a free valuation</a> with Foxtons, and let's make Cupid proud.


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<a href="https://www.foxtons.co.uk/valuations" class="cta-button cta-button-primary">Book a valuation</a>


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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>
        </li>
        <li class="toc-item">
            <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>


<div style="background: #0000; 
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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:


<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;">
        <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;">£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>


<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>



lettings-market-report-affordability

<h2 class='intro_basic'>London's rental market is shifting gears. While January saw a seasonal uplift in demand from December, increased supply and concerns around affordability mean the market's dynamics are changing. Here's what you need to know about Q1 2025's evolving rental landscape and how to adjust your strategy.</h2>

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   <p style="margin-left: 25px; margin-right: 25px;"><i>"...While the coming spring market should bring an uptick in demand, the substantial growth in supply means your property will face more competition. Success now depends on
precision pricing that reflects both real-time market data and evolving tenant preferences in your local area...”</i>

<p style="text-align: right">Gareth Atkins<br><small><b>Managing Director - Lettings</small></b></p>

<center><p style="background-color: #cce3e0;"><a href='https://www.foxtons.co.uk/reports/lettings-report/lettings-market-report-january-2025' target='_blank'>See the full story in the <b>Lettings Market Report - January 2025</b></a></big></center>
</div> 

<h3>&#x1f4c8; Key numbers from the report</h3>
<p style="margin-left: 25px">• This January, whilst demand fell 3% from last January, it increased 83% from December 2024.
<p style="margin-left: 25px">• The volume of listings coming to market declined just 5% from last January. However,
compared to December 2024, there was a 51% increase.
<p style="margin-left: 25px">• The average rent achieved in January increased 2% from January 2024.

<h3>&#x1f3ac; Watch: the impact of affordability on Build to Rent</h3>
<p>Sarah Tonkinson, Managing Director - Institutional PRS and Build to Rent, shares expert insight on the affordability conversation and the opportunities it creates in London's Build to Rent sector.
<center><div style="padding:100.78% 0 0 0;position:relative;"><iframe src="https://player.vimeo.com/video/1057565329?h=9d068f5e11&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="Lettings Market Report February 2025"></iframe></div><script src=https://player.vimeo.com/api/player.js></script></center>


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<a href="https://www.foxtons.co.uk/valuations" class="cta-button cta-button-primary"> Get a rental valuation
</a>
<a href="https://www.foxtons.co.uk/landlord/property-management" class="cta-button cta-button-secondary">Explore Foxtons Property Management</a>

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<br><br>
<h5>More insight on the lettings market:</h5> 

<p style="margin-left: 25px">• <a href='https://www.foxtons.co.uk/discover/2025/02/expert-reactions-key-debates-from-the-rentersa-rights-billas-second-reading' target='_blank'>Expert reactions: key debates from the Renters' Rights Bill's second reading</a>

<p style="margin-left: 25px">• <a href='https://www.foxtons.co.uk/discover/2024/03/video-the-complete-endtoend-service-for-investing-landlords' target='_blank'>Video: the complete end-to-end service for investing landlords</a>

<p style="margin-left: 25px">• <a href='https://www.foxtons.co.uk/discover/2024/04/setting-up-an-hmo-the-pros-the-cons-and-the-hmo-licence' target='_blank'>Setting up an HMO: the pros, the cons and the HMO licence</a>

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  <p>ST: Affordability is the word you’ll hear everywhere this year. In London's Build to Rent sector, there’s an opportunity for market-savvy operators to use this conversation to set their offering apart. <p>My team had an exceptionally busy 2024 placing residents within a broad spectrum of lifestyles and a range of housing needs and search criteria. The appetite is there. In that time, we saw a crucial shift. The market grasps what Build to Rent is, and it’s now exploring the huge potential in Build to Rent to create quality rental housing. Through varied price points and amenity offerings, operators can tap into London's diverse rental demographics while addressing the city's pressing need to attract and retain talent. 
<p>Next month, Joel Ellis-Duffy, Sales Director - New Homes and I will be attending MIPIM in Cannes – where the future of urban development takes centre stage. I'll be sharing how Foxtons' pioneering data analytics and unrivalled London market expertise can transform your Build to Rent strategy. Let's meet in Cannes to explore how we can build your success in London's robust market.

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 <small>  <p><p><b>Source:</b> 
<p style="margin-left: 25px">•	<b>Market data</b>: Foxtons Business Analytics produces our monthly Lettings Market Report, leveraging cutting-edge technology and our exclusive database, one of the largest for London's property market, to provide unparalleled insights for our landlords each month.
<p style="margin-left: 25px">•	<b>Expert insight</b>: To provide you with the most value, this article features our leading lettings experts. Our team's hands-on experience comes from many years in the industry with London's leading lettings agency, so you can rely on our practical, market-tested insight. 
<p>This blend of data-driven analysis and expert commentary offers a comprehensive view of the market, helping landlords navigate any market conditions with confidence. For any questions on the report or insight, <a href="mailto:experts@foxtons.co.uk">ask a Foxtons expert</a>.</small>
 </div>

Legislation

expert-insight-renters-rights

<h2 class='intro_basic'>Important debates sparked during the Renters' Rights Bill's second reading in the House of Lords on Tuesday, 4 February. <p>Watch as our London lettings experts Gareth Atkins (Managing Director - Lettings), and Fran Giltinan (Managing Director - Property Management & Customer Experience), analyse the key debates and their potential impact on London landlords and the rental sector. </h2>

<center><div style="padding:100.78% 0 0 0;position:relative;"><iframe src="https://player.vimeo.com/video/1054182007?h=61ce84c08d&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="Expert Reactions: key debates from the Renters’ Rights Bill’s second reading"></iframe></div><script src=https://player.vimeo.com/api/player.js></script></center>

<p>Want to know more about the Renters' Rights Bill? Read the following articles: 
<p style="margin-left: 25px"><a href='https://www.foxtons.co.uk/discover/2025/02/an-open-letter-from-our-ceo-what-the-ban-on-upfront-rental-payments-could-mean-for-landlords-and-tenants' target='_blank'>An Open Letter from our CEO: what the ban on upfront rental payments could mean for landlords and tenants</a>
<p style="margin-left: 25px"><a href='https://www.foxtons.co.uk/discover/2024/09/your-guide-to-the-rentersa-rights-bill-timelines-and-whatas-changed' target='_blank'>2025 rental market: expert tips and forecasts</a>
<p style="margin-left: 25px"><a href='https://www.foxtons.co.uk/discover/2024/09/your-guide-to-the-rentersa-rights-bill-timelines-and-whatas-changed' target='_blank'>Your guide to the Renters’ Rights Bill: timelines and what’s changed</a>

<p style="margin-left: 25px"><a href='https://www.foxtons.co.uk/discover/2024/10/the-second-reading-of-the-renters-rights-bill' target='_blank'>The second reading in the Commons of the Renters' Rights Bill </a>

<p style="margin-left: 25px"><a href='https://www.foxtons.co.uk/discover/2025/01/limiting-rent-in-advance-a-and-the-overseas-student-market' target='_blank'>Limiting rent in advance and the overseas student market</a>


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  <p>GA: The Renters' Rights Bill has just cleared its second reading in the House of Lords, and while the core legislation hasn’t changed, the debates have revealed some crucial concerns for London's property market. Let's break down the key issues that every landlord needs to understand.

<p>The late addition of a ban on upfront payments has sparked intense debate. There are 3 million people renting in London and we see 10-15% of tenants using upfront payments – the self-employed, international students and those with poor credit history or fall just short of affordability checks. And in such a competitive market, this ban could significantly impact housing accessibility for these groups. It deserves further consideration. We see over 16 applicants vie for each property, so the government should understand that it will affect these groups more than landlords who can rent to the remaining 80%. 

<p>FG: Despite the Government’s assurances that they are collaborating with the Ministry of Justice, the Lords’ concerns about court system capacity remain valid. Our advice? Focus on what you can control. Thorough documentation and proper pre-tenancy procedures are crucial as they have always been. Remember, our property management and credit control teams are trained to handle complex situations as and when they arise.

<p>The extension of the Decent Homes Standard to private rentals is an important step forward we support. Our property management team can connect you with trusted contractors and guide you through all of your compliance and maintenance requirements, ensuring a smooth transition to these new standards.

<p>While we fully support the bill's objectives to protect tenants, success will lie in the details. Some measures, particularly around upfront payments and court processes, need careful consideration. As London strives to attract talent, with the Labour government's focus on "growth", we must ensure these reforms achieve their aims without creating new barriers. 

<p>GA: We will continue working closely with landlords to navigate these changes effectively. We will continue to lobby some of the elements of the bill which we feel will not have the impact the government desires. The bill now moves to committee stage and we will keep you updated throughout.


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   <p><p><b>Source:</b>  The content in this video was written and delivered by Foxtons leading lettings experts to ensure you have the best information to hand. <p>We will continue to monitor the progress of the Bill to provide you with accurate, reliable information to support you as the legislation changes. Our team's hands-on experience comes from many years in the industry, so you can rely on our practical insight and comprehensive support.</div>


Renting

Landlord Essentials

london-residential-skyline

<h2 class='intro_basic'>This is an open letter we sent to the Rt Hon Angela Rayner MP, written by Foxtons CEO Guy Gittins. In it, Guy addresses the last-minute addition of a ban on upfront payments in the Renters' Rights Bill. </h2>
<p>As the largest estate agent in the UK,<sup><a href="#source-one">1</a></sup> we handle an incredible amount of tenancies, which gives us a comprehensive, professional perspective on this issue. By sharing our perspective, we aim to explain what this ban could mean for tenants and landlords, and ask the critical question:  <b>how can those who narrowly miss affordability criteria overcome the barriers to housing these changes will create?</b> 



<p><small><a id="source-one"><sup>1</sup></a>Source: TwentyCI data, 2024 new lettings instructions at an estate agent brand level</small>



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   <p><br><br>28 January, 2025
<br><br><br>
<p>Rt Hon Angela Rayner MP
<br>Deputy Prime Minister &
<br>Secretary of State for Housing, Communities 
<br>and Local Government
<br><br>
<p>Cc: Baroness Taylor of Stevenage OBE

<br><br><br>
<p>Dear Deputy Prime Minister, 

<p>I am writing this letter to you in my capacity as Chief Executive Officer of Foxtons Group plc, London's largest lettings agent, to express concern over the late changes tabled during the Renters' Rights Bill's second reading, specifically regarding the <b>banning of upfront rental payments and the lack of a sufficient transition period.</b>

<p>We want to make it clear that we are wholly supportive of your government's efforts, and indeed previous government efforts, to improve living conditions across the entire sector and to ensure the rental market works for everyone. 

<p>But while we support the overarching goals of the proposed legislation, we believe that these amendments will unintentionally harm lower-income tenants, the international student market, hinder upward mobility, and drive talented individuals away from London and the UK. 

<p><b>The problem and the unintended consequences</b>
<p>Landlords typically ask for rent in advance from tenants who struggle to pass traditional affordability checks, such as those with low or unpredictable income, the self-employed, pensioners and foreign tenants who cannot provide a guarantor. Our data highlights the scale of this issue: 10-15% of tenants narrowly fail affordability criteria. 

<p>The impact of removing upfront payments would therefore be most pronounced for lower-income tenants, many of whom currently rely on savings or guarantors to secure housing. These individuals would be left with no viable alternatives, effectively excluding them from the rental market and exacerbating the very issues the reforms seek to solve. 

<p><b>Hindering upward mobility</b>
<p>Restricting access to housing in this way also risks undermining social mobility and deterring people from relocating to cities like London - particularly students and entry-level professionals. This could result in a 'talent drain', leaving London and other major cities struggling to attract and retain the diverse, skilled workforce needed to drive innovation and growth. At a time when economic growth is critical, such a loss of talent could have long-term consequences on local economies. 

<p><b>The landlord impact</b>
<p>These regulations would also have an impact on landlords. Upfront payments help mitigate the risk of missed payments from those tenants who can sustain a tenancy but who are unable to pass referencing and affordability checks - without these upfront payments, landlords are understandably less likely to rent to such tenants. It is impractical and irresponsible to deny landlords any assurance when renting to individuals who cannot easily prove their financial capability. This could exacerbate challenges in an already constrained market and may reduce the supply of rental homes, drive up rent prices, and make affordable housing harder to find.

<p><b>Lack of a sufficient transition period</b>
<p>We are also seriously concerned about the proposed two to three-month transition period, which is entirely inadequate for implementing these changes effectively. Such a short timeframe fails to provide tenants and landlords with sufficient time to adapt, potentially leaving vulnerable tenants without stable accommodation in an already challenging market. The lettings sector is complex and fragmented. Software systems (typically administered by third parties) will need time to re-engineer. The retraining of lettings agents and property managers takes time. We strongly believe that no less than six months' notice should be given between Royal Assent and the commencement date. This will afford landlords and letting agents sufficient time to implement the necessary regulatory changes in an orderly manner, ensuring a consistent and fair approach for tenants seeking rented accommodation. 

<p><b>It doesn't fix the real issue</b>
<p>Foxtons supports the vision of a fair and sustainable rental market that works for everyone. However, these last-minute amendments fail to address the real issue: the chronic undersupply of housing and the resulting supply/demand imbalance. Instead, they risk creating unintended consequences that make the rental market even more challenging for lower-income tenants. 

<p>At a minimum, it is essential for the government to address this question: how can those who narrowly miss affordability criteria overcome the barriers to housing these changes will create? Without a clear answer, achieving a fair lettings market for tenants will remain out of reach. 

<p>We would welcome the opportunity to meet with you to discuss how we can support the government in creating a balanced and sustainable plan that benefits lower income tenants and reduces the risk of landlords withdrawing from the rental market. 

<p>I am copying this letter to the Lords Minister for Housing and Local Government.</p>

<br>
<p>Yours sincerely, </p>
<br>
<p>Guy Gittins
<p>Chief Executive Officer, Foxtons Group plc
</div> 
<br><br>
<p>It is the unintended consequences of banning upfront payments which really cannot be overstated. As Guy explained in the letter:  

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      <div class="number-large">3,000,000</div>
      <div>people rent in London</div>

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       <p>We see 10-15% of tenants use some form of upfront payment to secure a property they'd otherwise not meet the criteria for.
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  <p>That means...     

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   <p><p><b>Source:</b> This letter is written by Foxtons CEO Guy Gittins, a leader of the property industry with over 20 years of experience in the inner workings of London lettings. This open letter, published here in full, provides transparency on the latest rental market legislation. As your trusted property partner, we are working to ensure your concerns are heard in these critical policy discussions.<p>If you have any questions, please send us an email to <a href='mailto:experts@foxtons.co.uk?subject=Foxtons%20Open%20Letter' target='_blank'>ask a Foxtons expert</a>.</div>




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'>

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<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>
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<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>

<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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<a href="https://www.foxtons.co.uk/valuations" class="cta-button cta-button-primary">Book a valuation</a>

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<br><hr><br>
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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>




2025-rental-market

<h2 class='intro_basic'>With the final December data now in, our latest <a href='https://www.foxtons.co.uk/reports/lettings-report/lettings-market-report-december-2024' target='_blank'>Lettings Market Report</a> reveals the complete story of London's 2024 rental market. Looking ahead, 2025 promises to be a pivotal year – and we've got the expert insights you need to stay ahead of the curve. </h2>

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   <p style="margin-left: 25px; margin-right: 25px;"><i>"Looking at the rental landscape in the year ahead, I expect to see traditional seasonality in the market, similar to 2024. Whilst we're projecting <b>modest rent growth of 3-5%</b>, the real story will lie in the resilience of supply levels.”</i>

<p style="text-align: right">Gareth Atkins,<br><small><b>Managing Director - Lettings</small></b></p>



<center><p style="background-color: #cce3e0;"><a href='https://www.foxtons.co.uk/reports/lettings-report/lettings-market-report-december-2024' target='_blank'>See the full story in the <b>Lettings Market Report - December 2024</b></a></big></center>
</div> 



<h3>&#x1f4c8; Key numbers from the report</h3>
<p style="margin-left: 25px">· In the first half of 2024, applicant demand was 6% behind 2023. In the second half of the
year, demand was 1% ahead, showing strength returning to the market.
<p style="margin-left: 25px">· Average rent achieved in 2024 closely mirrored 2023, with a marginal 2% decrease.
<p style="margin-left: 25px">· In 2024, new market listings rose by 8%, totalling over 385,000 listings.


<h3>&#x1f3ac; Watch: London landlords start 2025 strong</h3>

<p>Fran Giltinan, Managing Director - Property Management & Customer Experience, shares how landlords can get ahead of big changes in 2025 with a proactive January:
</p>
<center><div style="padding:100.78% 0 0 0;position:relative;"><iframe src="https://player.vimeo.com/video/1047434008?h=e2da7482c4&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="Lettings Market Report - December 2024 with captions"></iframe></div><script src=https://player.vimeo.com/api/player.js></script></center>


<h3>Grab January by the Foxtons</h3>
<p>Many London landlords are using the new year as motivation to get their rental properties in order. With a busy year ahead, it's best to start early. Our team meticulously tracks every market shift, so we ensure every Foxtons-managed property stays far ahead of changing regulations. Grab January by the Foxtons with a call to Foxtons Property Management today, and be confidently compliant throughout 2025:</p>

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<a href="https://www.foxtons.co.uk/landlord/property-management" class="cta-button cta-button-primary">  Explore Foxtons Property Management
</a>
<a href="https://www.foxtons.co.uk/landlord/enquiry/property-management" class="cta-button cta-button-secondary">Sign up now</a>


  


</center>

<br><br>
<h5>More insight on the lettings market:</h5> 
<p style="margin-left: 25px">• <a href='https://www.foxtons.co.uk/discover/2023/03/top-tax-tips-for-landlords' target='_blank'>Top tax tips for London landlords</a><p style="margin-left: 25px">• <a href='https://www.foxtons.co.uk/discover/2025/01/new-year-new-hires-the-best-time-for-landlords-to-embrace-corporate-housing' target='_blank'>New year, new hires: the best time for landlords to embrace corporate housing</a>
<p style="margin-left: 25px">• <a href='https://www.foxtons.co.uk/discover/2025/01/limiting-rent-in-advance-a-and-the-overseas-student-market' target='_blank'>Limiting 'Rent in Advance' - and the overseas student market</a>
<p style="margin-left: 25px">• <a href='https://www.foxtons.co.uk/discover/2024/10/the-second-reading-of-the-renters-rights-bill' target='_blank'>Second reading of the Renters' Rights Bill</a>
<hr>


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<button class="accordion">Video Transcript</button>
<div class="panel">
  <p>Fran: "It comes as no surprise that we have had an 18% increase in landlords opting for Foxtons Property Management, because in the coming year, how you manage your rental property will be paramount given tenants’ expectations and the Renters’ Rights Bill. The need for a landlord to communicate effectively with their tenant, be on point with compliance and respond immediately to maintenance issues has never been greater.  
 <p>"This January, many landlords are getting their rental portfolios in order ahead of these big changes in the market. Our campaign, “Grab January by the Foxtons,” invites you to start the year with a call to Foxtons Property Management. We can navigate the changes for you and deliver the peace of mind you need for a great year in property."


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 <small>  <p><p><b>Source:</b> 
<p style="margin-left: 25px">•	<b>Market data</b>: Foxtons Business Analytics produces our monthly Lettings Market Report, leveraging cutting-edge technology and our exclusive database, one of the largest for London's property market, to provide unparalleled insights for our landlords each month.
<p style="margin-left: 25px">•	<b>Expert insight</b>: To provide you with the most value, this article features our leading lettings experts. Our team's hands-on experience comes from many years in the industry with London's leading lettings agency, so you can rely on our practical, market-tested insight. 
<p>This blend of data-driven analysis and expert commentary offers a comprehensive view of the market, helping landlords navigate any market conditions with confidence. For any questions on the report or insight, <a href="mailto:experts@foxtons.co.uk">ask a Foxtons expert</a>.</small>
 </div>

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# Property trends and Insight

We help our landlords stay on top of all the latest regulations.

Property trends and Insight

Rates cut AGAIN: what buyers need to know about the evolving mortgage market

More choices for renters this spring: Tips to ensure your property shines

The rise of low-deposit mortgages: opportunities at 17-year high

Competition in the spring rental market: essential strategies for landlords

What the government ban on leaseholds could mean for you

Find your soldmate: why February really is your property's perfect match

Mortgage rates below 4% are back - is it time to buy?

London's Q1 rental market: supply, demand and affordability in focus

Expert Reactions: key debates from the Renters’ Rights Bill’s second reading

An open letter from our CEO: what the ban on upfront rental payments could mean for landlords and tenants

Is now the time? Expert insight on housing affordability in 2025

2025 rental market: expert tips and forecasts