Autumn Budget Predictions 2025 – What Is Reeves Planning For Property?

The UK’s Autumn Budget, set for November 26th, 2025, is always a critical moment, but this year’s announcement feels particularly vital. For anyone involved in the property market – whether you’re a long-term investor, a home seller, a committed developer, or a landlord – the Chancellor’s decisions will directly impact your plans.

The economic reality suggests the government is under pressure to find new ways to raise revenue. This financial backdrop, alongside global uncertainty, means that targeted tax changes are highly likely, even without raising the headline rates.

At Centrick Invest, we believe that informed planning brings clarity and confidence. While much remains speculation, we break down the most pertinent rumours and the much-needed reforms the property community is calling for, helping you plan ahead with assurance. So let’s dive into the speculation…

1. Focused Revenue Generation: Clarity on Property Wealth

These are the policy shifts that industry predictions suggest are the most likely to occur, as they allow the government to raise revenue while avoiding unnecessary economic upheaval. We provide the clarity needed to prepare for these forecasted changes with assurance.

The Stealth Tax: Frozen Thresholds

This “stealth tax” is the most effective way for the government to increase revenue without technically raising rates, a tactic widely expected by market analysts.

What it means: Analysts widely predict an extension of the current freeze on key tax thresholds, such as Income Tax (Personal Allowance, Higher Rate) and Inheritance Tax (IHT) nil-rate bands, potentially stretching their current end dates to 2030.

Your Confidence: As property values and wages naturally rise, this measure means more people will be pulled into higher tax brackets, and a growing number of families will find their estates liable for IHT. This makes proactive, ethical estate planning and tax-efficient portfolio management more urgent than ever.

Property Wealth: Targeted Changes

Property wealth remains a prime target for revenue generation, and industry whispers suggest two key areas of focus:

• Capital Gains Tax (CGT) on Primary Homes: There is speculation about introducing CGT on the sale of a primary residence above a very high fixed threshold (e.g., above £500,000). This would be a fundamental shift in UK property taxation, requiring thoughtful planning for higher-value home sellers.
• Council Tax Reform: To raise local authority revenue, changes to Council Tax bands or a full house revaluation are often implemented, targeting revenue from high-value properties.

2. Landlords and the PRS: Care for a Vital Sector

Property investors and landlords may face new costs, but the stability of the Private Rented Sector (PRS) demands crucial relief.

The Call for Investment-Friendly Relief

The property sector believes that for the rental market to function with integrity and care, tax policies must actively support long-term commitment. Key industry predictions centre on reversing the tax hikes that have burdened landlords over the last decade:

• Reinstate Full Mortgage Interest Tax Relief: Experts widely predict this change would bring clarity and fairness back to individual investors, levelling the playing field with corporate landlords and encouraging reliable, long-term investment in housing supply.
• Reintroduce the Landlord’s Energy Saving Allowance (LESA): The industry anticipates a measure that offers financial support for crucial energy efficiency improvements. This would be a careful, constructive reform that helps landlords meet high standards, benefiting both tenants and the environment.

Encouraging Market Stability

While the potential of a new tax burden, such as National Insurance Contributions (NIC) on private rental income, is discussed, the dominant industry view is that such a move would be highly counterproductive. Instead, the focus is on stability. The predicted reforms above would inject confidence back into the PRS, helping to curb undersupply and deliver a more dependable market for tenants.

3. Market Mobility: Clarity on Sales and Purchases

To encourage a fluid and healthy property market, predictions suggest the government will need to focus on reducing the friction felt by those buying and selling homes.

Stamp Duty Reform: Predicted Adjustments

Industry experts widely anticipate reforms aimed at boosting mobility and supporting crucial parts of the market.

• Supporting Downsizing: A strong prediction is the introduction of permanent Stamp Duty Land Tax (SDLT) exemptions for older downsizers. This measure is seen as an effective, straightforward way to release much-needed, larger family homes back into the supply chain.
• Fairer First-Time Buyer Relief: The current First-Time Buyer relief threshold is now insufficient in many high-value regions. Predictions suggest the Budget will see more frequent updates to these bands to genuinely reflect rising property values, ensuring the relief remains meaningful for those trying to get on the ladder.

The market suggests that any successful reform of Stamp Duty will need to prioritise market fluidity and fairness over simply generating revenue, offering a path forward for home movers at all stages.

Our Confidence Strategy: Plan Ahead with Assurance

The most crucial message from the property industry is the need to resist making swift, reactive decisions based on speculation. Hasty financial actions, such as accessing pension lump sums or crystallising gains prematurely, can genuinely derail long-term financial plans.

The high likelihood of frozen tax thresholds and targeted property taxes means the need for composed financial management falls increasingly on you. While new taxes may emerge, the widespread industry call is for reforms that encourage investment, support stability, and bring greater fairness to the market.

Next Steps for You:

• Review Your Position: We advise you to speak with your financial advisor to model your income and returns under various scenarios predicted by the industry. Understand your precise financial exposure with clarity.
• Stay Informed: Centrick Invest will provide an immediate, expert analysis the moment the Autumn Budget is announced to help you understand the actual policy changes and their precise implications. We deliver the reliable information you need to move forward with confidence.

For more information on how to get ahead of November’s budget, fill in the form below to get in touch with our team – we’re here to help.