The UK housing market continues to evolve in 2025, bringing both opportunities and challenges for homebuyers and homeowners. At Roff Financial, we’re dedicated to keeping our clients informed with honest, friendly advice to navigate the ever-changing landscape confidently.
What’s happening in the housing market right now?
This summer, the property market has shown signs of increased activity, particularly in the South West and Somerset regions. Estate agents report that buyers remain motivated, with demand for family homes and properties in rural or semi-rural areas (like those near Yeovil, Martock, and Stoke-sub-Hamdon) staying strong. However, affordability remains key as mortgage rates continue to influence purchasing decisions.
Current mortgage trends – July 2025
✅ Mortgage rates stabilising – After the fluctuations of the past two years, lenders have begun to stabilise their product ranges. Fixed rates are averaging around 4.75-5.25% for 2 and 5 year products, depending on individual circumstances and loan-to-value (LTV) ratios.
✅ More flexible criteria – Lenders are adapting criteria to support first-time buyers, self-employed applicants, and those with complex income streams, making professional advice even more important.
✅ Product transfers growing – Many homeowners are opting for product transfers with their existing lenders rather than remortgaging, due to competitive rates offered to existing customers.
✅ Protection awareness increasing – Recent economic uncertainty has highlighted the importance of life insurance, critical illness cover, and income protection. At Roff Financial, we’re seeing more clients reviewing their protection needs alongside their mortgage to safeguard their homes and families.
How can Roff Financial help you?
Whether you are:
✔️ Buying your first home
✔️ Moving to a bigger property
✔️ Looking to remortgage for a better rate
✔️ Reviewing your life insurance or income protection policies
We are here to provide tailored, friendly advice with access to over 12,000 mortgages from more than 90 lenders.
💡 Luke Roff, our experienced Mortgage and Protection Advisor, and Ammie Newis, our Mortgage Administrator, ensure your application is handled smoothly from start to finish. We pride ourselves on offering a personal service with clear guidance every step of the way.
Contact us today for FREE initial advice
If you would like to discuss how current mortgage trends affect your plans, contact us today for honest, friendly advice tailored to your situation.
📞 Call us on 01935 388448
📧 Email us at admin@rofffinancial.co.uk
🌐 Visit us at www.roff-financial.co.uk
Roff Financial – Mortgage and Protection Advice you can trust near Yeovil, Somerset.
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