Seasonal Market Insights - Winter 2025
04 December 2025
For anyone considering a move or a remortgage, these changes could open the door to improved affordability and stronger long-term financial planning. ThisIsMoney
Key Lender Updates
HSBC: Second Round of Reductions in Two Weeks
HSBC has cut rates again for both residential and buy-to-let customers.
This marks the lender’s second set of rate reductions within just two weeks, signalling growing confidence in market stability and increased competitiveness between the major banks.
Santander: Residential Fixed Rates Reduced Again
Santander is also reducing its residential fixed rates for the second time this month, with drops of up to 0.14%.
For Horsham buyers aiming for predictable monthly payments, this may present an opportunity to secure a more favourable fixed-rate deal.
TSB: Cuts Across Residential and Buy-to-Let
TSB is lowering rates by up to 0.15% for:
- Home buyers
- Remortgaging households
- Buy-to-let landlords
This broad reduction supports both homeowners and investors looking to optimise their monthly outgoings.
Principality Building Society: Competitive Cuts on Residential Deals
Principality has announced reductions of up to 0.13%, adding to the growing list of lenders improving their rates.
This could benefit first-time buyers in Horsham who are looking for competitive entry-level mortgage options.
NatWest: Lower Buy-to-Let Rates with Higher Fees
NatWest is focussing this round of cuts on landlords, unveiling lower buy-to-let rates paired with higher arrangement fees.
This structure may suit investors looking for lower monthly payments, particularly those adding to or refinancing their rental portfolio.
What These Rate Reductions Mean for Horsham Buyers and Landlords
1. Increased Affordability for Home Movers
Lower interest rates mean more Horsham buyers can meet affordability criteria; particularly helpful in markets like Horsham and Southwater where competition for quality homes remains strong.
2. Opportunities for First-Time Buyers
With lenders easing rates across fixed products, first-time buyers may find it easier to balance monthly payments while also facing less pressure from rising rents.
3. A Strong Moment for Buy-to-Let Investors
With several lenders specifically targeting buy-to-let rate cuts, Horsham landlords may benefit from improved yields and reduced monthly costs; especially relevant as rental demand in the Horsham area continues to outstrip supply.
4. Remortgagers Could Save Thousands
For homeowners approaching the end of a fixed-rate deal, these reductions could mean substantial savings by switching early or securing a new deal ahead of time.
Should You Review Your Mortgage Now?
Absolutely!
Whether you’re relocating within Horsham, expanding a buy-to-let portfolio, or preparing to remortgage, these changes make it an ideal moment to speak with a qualified AboutMortgages mortgage advisor.
Our specialists can:
- Compare the latest lender reductions
- Model your affordability
- Identify the most cost-effective product
- Assess whether early switching makes financial sense
“We were slightly nervous with the recent Budget, but stability has returned, reducing the cost of home ownership, which will support the market. It could be a really good time to buy as house prices did dip a little because of budget uncertainty, but we should see prices stabilise or grow from now.”
Paul Davies, Managing Director
Thinking of Moving or Remortgaging in Horsham?
If you’re wondering how these new mortgage rates could affect your next move, your buying power, or the value of your current property, our team is happy to help.
Our trusted mortgage advisors can provide up-to-date insights on the Horsham and Southwater property market.
Get in touch today to explore your options - acting quickly can make a meaningful difference to your buying or investment strategy.
01403 283928
p.davies@aboutmortgages.co.uk
Article by Paul Davies - Managing Director, AboutMortgages & At Home Estate and Lettings Agency