The Bank of England has recently cut the base rate to 4%, the lowest level since early 2023. This move is designed to support the UK economy by making borrowing cheaper and stimulating market activity. But what does it actually mean for you—whether you’re looking to buy your next home or sell your current one?

The last few months of the year are traditionally an interesting period for the UK property market. For buyers and sellers alike, it’s often a season of contrasts: while some buyers are keen to secure a move before Christmas or early in the new year, others prefer to wait until spring, traditionally the busiest season for housing activity.

Moving in together for the first time is one of life’s biggest milestones. Renting your first property as a couple in the UK is exciting, but it can also be overwhelming with so many factors to consider — from finances and tenancy agreements to lifestyle adjustments and long-term planning.

Should I sell now, or hold on until 2026? This is not a straightforward decision, as it depends on factors such as market trends, interest rates, personal finances, and future housing needs. To help you weigh up your options, here’s a guide to both selling now and waiting until 2026.