Buying in 2025? You’re Statistically Spending Less Than You Would Have in 2024
Thinking of buying in Wokingham? The latest data is on your side. We've analysed sales and mortgage rates from Jan-May 2024 vs 2025, and buyers are now benefitting from softer house prices and lower borrowing costs. Here’s what the numbers say—and why 2025 may be a smart time to make your move.
If you’re thinking about buying a property in Wokingham this year, the numbers are in your favour – and we’ve got the stats to prove it.
We’ve analysed the latest data from 1st January to 31st May for both 2024 and 2025, and two key trends have emerged:
1️⃣ House Prices Have Softened Slightly
The average achieved asking price for properties that have exchanged in Wokingham has dropped by 1.5% year-on-year.
That might not sound like a huge figure – but on a £600,000 home, that’s a saving of £9,000. Combine that with improved mortgage rates, and buyers are in a stronger financial position than they were this time last year.
2️⃣ Mortgage Rates Are More Buyer-Friendly
One of the biggest shifts has been in the cost of borrowing.
Looking at 2-year swap rates (what banks charge each other to lend money), we’ve seen a drop from 4.62% to 3.69% from 2024 to 2025.
In real terms, for buyers putting down a 30–40% deposit (typical 60–70% Loan to Value), mortgage rates have dropped from around 4.64% to 4.13%.
💰 That 0.5% reduction may not seem major on paper, but if you’re borrowing £400,000 over 25 years, it means:
- £104 less per month
- £2,496 saved over two years
So not only are property prices in Wokingham slightly lower in 2025, but your repayments are cheaper too.
So, is now a good time to buy?
In short – yes. You’re buying at a time when:
✅ Prices are stable or gently falling
✅ Mortgage rates are lower than they were 12 months ago
✅ Monthly repayments are more manageable
✅ You’re statistically better off than buyers in 2024
Plus, we work with independent mortgage brokers who have access to a broad range of lenders and products. Whether you’re buying your first home or making your next move, our partners can help you find a deal that suits your budget and long-term goals.
Honest Advice, Real Results
At Matt & Matt, we believe in being transparent – not pushy. That’s why we’re sharing real data from exchanged properties in Wokingham and the current lending market. If you’re thinking of buying or selling, or even just want to understand your options, we’re here to help.
Drop us a message or explore more advice on our YouTube channel 👉 @sellingwokingham