If you've been waiting for the Autumn Budget to make your next move on the property ladder, you'll want to know exactly what's changed. Delivered on 26 November 2025 by Chancellor Rachel Reeves, this year's Budget brings big news for anyone buying or selling a home, remortgaging, saving money or planning for retirement.

We've broken it down, just the facts you need to know, plus how it compares to the Spring Budget earlier this year.

Buying or Selling a Home: More Homes on the Way

Good news for house hunters: the government has committed to building 1.5 million new homes in England over the next decade. This is backed by a £39 billion Social and Affordable Homes Programme and a new £16 billion National Housing Bank to attract private investment.

Faster planning rules mean developments near train stations will get a default yes, and new towns (like Tempsford, aiming for over 10,000 homes by 2026) are on the horizon. More supply should help ease prices in the long run and give first-time buyers more choice.

What hasn't changed? Stamp Duty thresholds stay the same, so first-time buyers still get relief up to £425,000.

Watch out for: From April 2028, a new High Value Council Tax Surcharge will add £2,500 a year for homes worth £2-5 million and £7,500 for homes over £5 million. If you're selling a luxury property, this could affect buyer interest.

Compared to Spring Budget: Spring promised modest funding and planning tweaks. Autumn delivers the big push; much more ambitious and likely to have a bigger impact on availability and prices.

Remortgaging: Lower Rates Are Here to Stay (For Now)

The Bank of England has already cut interest rates five times this Parliament, saving the average homeowner on a new two-year fixed mortgage around £1,200 a year compared to June 2024.

The huge housing investment should keep lender confidence high, which usually means competitive mortgage deals. No changes to Buy-to-Let rules or mortgage interest relief, so it's steady as she goes.

Tip: If your deal is ending soon, now is a great time to lock in a lower rate. Speak to a broker to see what's available.

Saving Money: ISAs Get a Shake-Up

• The overall ISA allowance stays at £20,000 a year until 2031; for tax-free saving and investing.
• From April 2027, the cash ISA limit drops to £12,000 for under-65s (over-65s keep £20,000). This is a nudge to invest rather than hold cash.
• Junior ISAs (£9,000) and Lifetime ISAs (£4,000) stay the same.
• Help to Save becomes permanent from April 2028 and expands to more Universal Credit claimants - government matches 50p for every £1 saved.
• Savings income tax rates rise by 2% from April 2026 (e.g. basic rate to 22%). Around 90% of savers won't pay any tax on savings interest.

Compared to Spring: Spring left ISAs untouched. Autumn encourages long-term investing while still protecting low earners.

Planning for the Future: Pensions and Inheritance

Pensions
The Triple Lock is safe for this Parliament. State pensions rise by 4.8% from April 2026; worth up to £575 extra a year for the new state pension.

Inheritance Tax
Thresholds frozen until 2031. From April 2026, unused reliefs can be transferred between spouses more easily. Agricultural and business property reliefs are tightened, but most families won't be affected.

Other helpful changes
Fuel duty cut extended to August 2026
Rail fares frozen for 2026
£3 bus fare cap continues until 2027
Energy bills £150 lower this winter thanks to the expanded Warm Home Discount

Quick Comparison Table: Spring vs Autumn Budget 2025

What Should You Do Next?

Whether you're a first-time buyer, moving up the ladder, remortgaging or simply saving for the future, the Autumn Budget creates opportunities and a few things to watch.

Ready to act?
Get a free mortgage review
Check your ISA options before the cash limit changes
Speak to a financial adviser about pension or inheritance planning

Need help understanding how these changes affect you personally? Get in touch, we�re here to guide you every step of the way.