Whether you're a first time buyer, looking to remortgage, or planning a move, when it comes to the 2025 Autumn Budget, we're here for you. Our experts are cutting through the noise, so you can take the next step of your homeowning journey with confidence.
What key changes could we see?
While nobody can be certain, our experts have some predictions of what major changes you could see from the budget:
- Stamp Duty - Surcharge for landlords and second-home owners could increase from 5% to as high as 8%.
- Capital Gains Tax (CGT) on primary residences - The tax break homeowners currently get when selling their main home might be cut or removed entirely. If this happens, homeowners could face a new tax bill when they move.
- Landlord tax - The government may introduce a new tax on rental income for landlords.
- Cash ISAs - The current Cash ISA (Individual Savings Account) tax-free limit of £20,000 might be reduced, meaning you may lose out on tax-free savings next year.
Expert mortgage adviser, Kate Fuller comments:
"It would be great to see some positive news for the housing market, amendments to Stamp Duty that make it easier for people to move would be great. I'm not sure we will see much in relation to housing though and suspect most will be around taxes and how they are going to raise more money. It will be interesting to see what happens!"
What you can do now
While we can't be certain about the Autumn Budget, we have a wealth of resources to help you continue your mortgage journey with confidence - no matter which stage you're at:
Check your affordability
Now's a great time to get started and see how much you can afford. Chances are, you can borrow more now than you could six months ago due to lenders relaxing their criteria.
Your new home is within reach
Save up, plan, and track every stage of your homeowning journey with our My MAB app. Weather you're buying your first home or planning a move, this FREE app is your digital mortgage coach - right in your pocket!
Work out how much you can borrow
With our affordability tools, you can calculate how much you're able to borrow, making the task of budgeting effortless and pain-free. We'll look at what you're able to afford, and give you an estimate of your monthly repayments.
Build your own savings plan
Track how much you'll need to save and when you'll be able to buy. Work out how much you need to put aside each month and set yourself some savings goals.
Read our expert advice articles
Browse our library to answer any of your home buying questions. We know you have a bunch of questions about buying your new home, and our expert advice articles can answer the lot.
Important information
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
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