Autumn 2025 has brought a steady and balanced outlook for Scotland’s property market. Prices remain resilient, with most regions seeing annual growth between 4 and 5 percent. Registers of Scotland data shows the average price of a property reached £194,000 in August 2025, marking an annual increase of 4 percent, continuing the upward trend seen throughout the year. The Scottish Government’s Housing Market Review reported that average house prices rose by 4.9 percent in Q1 2025, the fifth consecutive quarter of positive growth, supported by strong demand and stable economic conditions.
Autumn is traditionally a busy season for property transactions, and this year is no different. Many buyers aim to complete their move before the festive period, which often leads to quicker decisions and competitive bidding. Families looking to settle before school holidays and movers hoping to finish before Christmas are driving activity. This seasonal urgency benefits sellers, particularly those with well-presented homes in popular school catchments where supply remains tight.
Mortgage conditions have improved compared to earlier in the year. The Bank of England base rate currently stands at 4 percent following successive cuts since 2024, and lenders have responded with more competitive deals. The average two-year fixed mortgage rate is now around 4.25 percent, down from nearly 5 percent a year ago, with some products available at rates as low as 3.7 percent for lower loan-to-value applications. This easing of borrowing costs has boosted confidence among first-time buyers and movers, adding momentum to the market. However, with approximately 900,000 fixed-rate deals due to expire in the second half of 2025, remortgaging activity is also influencing demand.
Despite healthy demand, supply challenges persist. Listings remain below pre-pandemic levels, particularly for three and four bedroom homes in desirable areas. This shortage helps underpin values and means sellers of family homes are likely to attract strong interest, sometimes achieving offers above Home Report value.
Looking ahead, the outlook for the remainder of autumn is stable. Buyers benefit from improved mortgage affordability and seasonal choice, while sellers can take advantage of motivated purchasers and competitive conditions. With realistic pricing and good presentation, autumn 2025 offers opportunities for both sides of the market.
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Registers of Scotland – Monthly House Price Statistics: https://www.ros.gov.uk/data-and-statistics
Scottish Government – Housing Market Review: https://www.gov.scot/publications/housing-market-review
Bank of England – Monetary Policy Report: https://www.bankofengland.co.uk/monetary-policy-report
ONS – Mortgage Lending and Interest Rates: https://www.ons.gov.uk/economy/inflationandpriceindices
The information contained within was correct at the time of publication but is subject to change.
The Your Move Content Marketing Team
