2025 Homebuying Trends for Gen Z & Millennials

Thinking about buying your first home in 2025? You’re not alone - Gen Z and Millennials are leading the charge towards homeownership. But with the ever-changing UK property market, staying ahead of the trends is key to making your first home-buying dreams a reality. Here’s what first-time buyers need to know to get mortgage-ready while keeping their financial goals on track.

 

1. Rising Property Prices: Plan for the Climb

House prices are expected to keep rising in 2025, especially in urban hotspots.

Tip: Start saving now. Even small, regular deposits into a dedicated savings account can grow faster than you think. Use the Klink app to track your savings goals and stay motivated during your home-buying journey.

 

2. Interest Rates: Be Mortgage-Savvy

Interest rates are predicted to fluctuate. Locking in a fixed-rate mortgage could offer stability if you’re looking to buy soon.

Tip: Boost your credit score by paying off debts and keeping credit utilisation low. A strong credit score can help first-time buyers secure better mortgage rates and navigate the UK property market more effectively.

 

3. First-Time Buyer Schemes: Know Your Options

Government-backed schemes like Lifetime ISAs, First Homes, and shared ownership are designed to support first-time buyers.

Tip: Research eligibility and application deadlines now so you can act fast when the time comes. These schemes can make home buying more affordable and accessible.

 

4. Green Homes and Sustainability Perks

Eco-friendly homes will continue to be in demand, with energy-efficient upgrades potentially increasing property value.

Tip: Consider homes with solar panels or insulation upgrades - they can reduce your energy bills and appeal to future buyers who value sustainable living.

 

5. Remote Work = Flexible Living Options

Hybrid working is reshaping home-buying priorities. Commuter belts, smaller towns, and rural areas offer more space for less money.

Tip: Expand your property search beyond city centres to uncover hidden gems in more affordable locations.

 

6. Save Smarter, Not Harder

With the cost of living continuing to rise, saving efficiently is essential for first-time buyers.

Tip: Use cashback apps, switch to budget-friendly utilities, and cut non-essentials to funnel more money into your deposit fund. Every penny saved brings you closer to homeownership. Use the Klink app to set savings goals, track your expenses, and discover personalised tips to maximise your savings.

 

7. Digital House-Hunting is the Future

From virtual viewings to online mortgage approvals, digital tools are revolutionising the home-buying process.

Tip: Stay tech-savvy and explore digital property search platforms to streamline your home-buying journey.

 

Make Your Homeownership Dream a Reality.

2025 could be your year to get on the property ladder - if you’re prepared. Download the Klink app to set savings goals, track expenses, and get mortgage-ready. Whether you're navigating the latest home-buying trends or exploring first-time buyer schemes, your future home is closer than you think.

Happy saving and house-hunting!