H Tiddy Post Budget Market Update.
What The Autumn Budget 2025 Means for Property Sales on the Roseland Peninsula.
The Autumn Budget 2025 has finally brought clarity after months of uncertainty, giving homeowners, buyers, and landlords across the Roseland Peninsula the confidence to plan ahead. While some measures focus on the premium end of the market, the overall picture is positive for property in every price range.
High-Value Council Tax Surcharge: Limited Local Impact
From April 2028, homes valued above £2 million will be subject to a new annual Council Tax surcharge. Even though certain properties in our area will be affected, the majority of homes across the Roseland Peninsula fall below this threshold, meaning most buyers and sellers will see no direct impact on their moving plans.
There is a 89% chance of the Bank of England cutting interest rates on Thursday, 18 December where markets widely expect a 25 basis point cut from 4.00% to 3.75%. Therefore, we are now expecting demand across all levels of the market to increase, driven by lifestyle appeal, village character, and the area’s enduring natural beauty. Even at the top end, buyers of premium coastal properties typically take a long-term view, so we expect demand to remain resilient.
Valuation Process and Market Stability
The government plans a five-year valuation cycle to determine which homes fall within the surcharge. Details are still to be confirmed, particularly for unique period homes and coastal properties, but this is unlikely to disrupt normal market activity.
Most property decisions on the Roseland Peninsula are motivated by lifestyle changes, upsizing, downsizing, or relocation, rather than tax considerations. The fundamentals of the local market should strengthen, supporting stability across all price points.
Landlord Income Tax Changes in 2027
A 2% increase on rental income tax is planned from April 2027. While this will affect net yields, demand for rental homes and holiday lets continues to be robust. In our opinion, The Roseland will remain a reliable location for landlords across a wide range of investment levels.
A Positive Outlook for All Buyers and Sellers
The biggest benefit of the Autumn Budget is certainty. With speculation behind us, confidence is likely to return and market activity increase. Whether you’re buying your first home, selling a family property, investing, or seeking a premium coastal residence, the Roseland Peninsula continues to offer exceptional opportunities across all property types and price ranges.
Every property and personal situation is unique, whether buying, selling, or investing. The H Tiddy team is here to provide expert, personalised advice to help you make confident, informed decisions in our niche local market.
📞 H Tiddy Independent Estate Agents, St Mawes
📧 Email: sales@htiddy.co.uk
📲 Phone: +44 1326 270212
🌐 Website: htiddy.co.uk
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