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Mortgage & Protection Brokers - Norbury & Streatham
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Autumn Budget 2025 – Key Updates
What Homeowners, Buyers & Landlords Need to Know
Overview
On 26 November 2025, Chancellor Rachel Reeves delivered the Autumn Budget. While focused on stability, several announcements will impact homeowners, landlords and buyers in the coming years.
Housing & Mortgage Market
- No new housing incentives or stamp duty changes.
- Annual levy introduced for properties above £2m (£2,500–£7,500).
- Planning reform mentioned without confirmed measures.
- House price growth forecast at 1–2% through 2026.
Borrowing & Affordability
From April 2027:
- Tax on dividends, savings and rental income increases by 2 percentage points.
- ISA allowance reduced to £12,000.
From April 2026:
- National Living Wage rises to £12.71.
- Two-child limit for Child Benefit removed.
Landlords & Property Investors
Higher taxation from April 2027 will reduce rental yields. Many landlords may reassess portfolio structures or incorporate for greater tax efficiency.
Business & Economy
- Business rates relief continues for retail and hospitality.
- Corporation tax remains unchanged.
- Inflation expected at 3.5% in 2025, 2.5% in 2026.
What This Means for You
With tax changes ahead and affordability pressures ongoing, proactive planning is essential. Reviewing your mortgage, budgeting accurately and understanding tax exposure will help protect your financial position.
Frequently Asked Questions
How can Gordon Blair help if mortgage rates rise again?
Our advisors monitor lender changes daily. If rates rise, we can secure a product early, lock it in for you, and review again before completion — giving you the best chance to avoid unnecessary increases.
Can you help if I’m worried about affordability after the Autumn Budget?
Yes. We run personalised affordability checks using updated lender criteria, assess your income stability, and recommend options such as term adjustments, product switches or remortgaging.
I’m a first-time buyer — is it still possible to get on the ladder?
Absolutely. Even without new incentives, many buyers qualify through shared ownership, low-deposit options, family-assisted mortgages and improved credit planning. We guide you through each step.
Do you help landlords affected by tax changes?
Yes. We review yields, explore SPV or limited company structures, and help landlords understand the April 2027 rental tax changes so they can plan ahead confidently.
Can you review my protection policies as well?
Definitely. With cost-of-living pressures and changing personal circumstances, we ensure your life cover, income protection or landlord protection still suits your needs and budget.
How quickly can I book an appointment?
You can book instantly online. Appointments are available weekdays, evenings and weekends, making it easy to speak with an advisor at a time that suits you.
This is general guidance only. Book a consultation to discuss your personal situation.