Looking to Move in 2026? What the Budget Means for You

A Shifting Market for 2026

The government’s plan to raise £26 billion over the next five years includes a continued freeze on income tax thresholds until 2030–31. As wages rise, more people will move into higher tax brackets tightening affordability for many households.

There’s also a new National Insurance charge on certain salary-sacrifice pension contributions, limiting a popular tax-efficient savings route for families and professionals. Together, these measures could lead buyers to be more cautious and strategic about their next move.

A New Levy on £2 Million-Plus Homes

From April 2028, a new annual levy often referred to as a “mansion tax” will apply to properties valued above £2 million. While it affects a small portion of the market directly, policy at the top end often shapes confidence more broadly.

Buyers who may have stretched into this range could now hesitate once ongoing costs are considered, which may soften demand and lengthen selling times. Sellers planning to move in 2026 can get ahead by pricing strategically and marketing their home before confidence cools further.

What It Means for Buyers

For buyers, affordability is about more than just the purchase price. Mortgage costs, energy efficiency, and long-term ownership expenses all come into play.

The good news? A steadier, more selective market can mean greater choice and negotiating power especially when you’re working with an agent who gives you access to properties before the portals.


What It Means for Sellers

For sellers, 2026 will reward those who plan early and market smart.
Launching your home Off-Market can build exclusivity and interest, while our Open-Home launches bring serious, motivated buyers together in a focused way often creating competition and stronger results.

Realistic pricing, strong presentation, and strategic exposure remain key to achieving the best outcome.

Investors & Landlords

For investors, the Budget highlights the importance of reviewing portfolios and yield strategies. With tax changes on the horizon and affordability tightening, identifying stable, high-performing assets will be more important than ever.

Our team helps landlords and investors find opportunities before they reach the portals, manage transitions between tenancies, and maximise returns in a cautious but stable market.


Market Outlook

The year ahead looks steady but more measured. There’s no sign of forced selling or major instability just a market adjusting to new realities. Confidence will come from strategy and preparation rather than speculation.

ElliotLee’s Advice for 2026 Movers

Whether you’re selling, buying, or investing, planning ahead is key.
At ElliotLee, we help clients:
✅ Launch Off-Market to create early demand
✅ Host impactful Open-Home events to drive competition
✅ Identify timing and pricing strategies that maximise results
✅ Stay one step ahead before the portals

If you’re considering a move in 2026, now’s the time to put your plan in place. Speak to our team to understand how the Budget impacts your next step and how ElliotLee can help you move with confidence.