As the property market steadies itself after a turbulent few years, all eyes are now on the upcoming Autumn Budget. With inflation cooling, interest rates expected to ease into 2025, and ongoing pressure on the government to tackle housing supply and affordability, this budget could set the tone for the year ahead. While nothing is certain until the Chancellor steps up to the dispatch box, there are signs of what may be coming, and how those changes could affect tenants, landlords, buyers, and sellers across Essex and Suffolk.

1. Possible Relief for First-Time Buyers

One of the most talked-about potential announcements is the return, or reimagining, of a Help to Buy-style scheme. With affordability still stretched, the government may introduce targeted support to help first-time buyers get on the ladder without overstimulating prices. A temporary increase to the Stamp Duty thresholds for first-time buyers is also possible, giving some breathing space to those saving for a deposit. If implemented, this could boost demand in the lower and mid-market brackets heading into the new year.

2. Landlords May Face More Clarity—But Also More Compliance

Following prolonged uncertainty surrounding rental reform, the Budget may finally outline a clearer timeline for updated landlord regulations. While sweeping changes are unlikely, additional requirements around property standards or energy efficiency could surface, perhaps accompanied by grants or tax incentives to encourage upgrades. There is also speculation around adjustments to Capital Gains Tax or the reinstatement of some form of mortgage interest relief, though any move here is likely to be modest. Overall, responsible and proactive landlords may find themselves better positioned than ever.

3. Tenants Could Benefit from Stability Measures

With rental affordability under scrutiny, the government may choose to introduce support targeted at lower-income renters. This could include an increase to Local Housing Allowance or incentives for Build-to-Rent developers to accelerate supply. While a rent cap is highly unlikely in the private sector, expect a stronger push for longer tenancies and protections against unfair evictions, designed to make the rental market fairer and more predictable.

4. Sellers Should Prepare for Shifts in Demand

If borrowing costs begin to fall through the winter, as many forecasters expect, the Budget may pave the way for a gradual increase in buyer activity. Any incentives aimed at first-time buyers or downsizers could also stimulate specific parts of the market. Sellers entering the early-2025 market may find conditions more favourable, with more motivated buyers and improved affordability. However, if the Budget introduces further regulation for landlords, we could also see additional rental properties coming to market, increasing supply in some areas.

5. A Budget Aiming for Stability, Not Shockwaves

Ultimately, the Chancellor is unlikely to introduce anything radical. What we can expect instead is targeted support, steady economic signalling, and a continued commitment to improving housing accessibility. For those navigating a property move, whether renting, selling, buying, or managing a portfolio, now is a good time to stay informed and plan ahead.

If you’d like tailored guidance on how the Autumn Budget could impact your next move, our local Boydens experts are here to help you make confident, well-timed decisions.