“Budget Scaries”: What’s Spooking Buyers – And What Happens Next?
We’re hearing from buyers across the board who have what we’re calling the “budget scaries” – a mix of uncertainty, financial caution, and a slight case of “wait and see” syndrome. With the latest tax talk and economic predictions swirling, many would-be movers are unsure about what their budget really gets them right now... and what might be aroun
If you've been thinking about moving recently but felt a pang of hesitation, you're not alone.
What’s causing the fear?
There are a few big themes bubbling up in conversations with buyers:
Stamp duty speculation: Whispers of changes to thresholds and reliefs always cause a stir. While nothing drastic has hit the ground yet, the fear of missing out on better conditions – or locking into worse ones – is prompting caution.
Interest rates and affordability: Although mortgage rates have started to settle, affordability is still front of mind. Buyers are nervous about overstretching when the cost of living remains high.
Political shifts = market jitters: With a general election looming and potential shifts in housing policy, many are pressing pause to see how things play out.
In short, buyers are asking: “Is now the right time, or will I regret it if I wait (or move)?”
So, what’s next for the market?
While it's easy to get caught up in short-term uncertainty, property markets tend to have a rhythm of their own – and we're already seeing signs of what might come next:
1. A “wait-and-see” autumn, with a bounce in Q1 2026
Historically, we often see a lull when there’s uncertainty – and then a bounce when clarity returns. Once the tax decisions and political direction are confirmed, we expect many of the hesitant buyers to re-enter the market early next year, especially if incentives or reforms are introduced.
2. Pent-up demand could push prices steadily, not spikily
The buyers delaying now aren’t disappearing – they’re just waiting. This builds pent-up demand, which often leads to a more stable market uplift rather than a price spike. That could make early 2026 a smart window for both buyers and sellers to act.
3. Sellers may need to rethink timing and presentation
If buyers are cautious, sellers need to meet them halfway. Pricing realistically, staging well, and working with a proactive agent (👋 hello!) will be more important than ever to convert interest into offers in this climate.
Meet Matt & Matt – Wokingham’s Local Experts
If you're buying or selling in the Wokingham area, Matt and Matt are the duo you want in your corner. With years of combined experience, local knowledge you can't Google, and the Avocado approach to marketing and service, they’re here to guide you through these uncertain times with honesty and clarity.
🎥 Get to know Matt & Matt in this quick video:
Whether you're nervous about the market, unsure about your budget, or just want a straight-talking view on your next move, Matt & Matt are ready to help.
What can buyers do now?
If you’re a buyer sitting on the fence, here’s our honest advice:
✅ Get your finances reviewed now – Knowing your exact budget gives you confidence and agility when the right home comes along.
✅ Keep an eye on value, not just price – The “best deal” might not be the cheapest, but the one that works long-term.
✅ Talk to your agent (us – or Matt & Matt!) – We’re here to guide, not pressure. Whether you’re ready to view next week or just starting to think about 2026, we’ll help you make sense of what’s happening.
Final thought
Yes, the “budget scaries” are real – but they won’t last forever.
The property market is shifting gears, not stalling. And with expert guidance and good preparation, this uncertain moment could actually become your opportunity. Whether the tax changes are big or small, the most powerful move you can make is to be ready, informed, and clear about your goals.
If you're feeling unsure, let’s talk. Even a 15-minute chat with one of our local experts – like Matt & Matt in Wokingham – can give you a much clearer picture of where you stand, and where the market’s heading next.
