As we move into spring, it’s a good time to reflect on the housing reforms introduced in 2025 and what they mean for renters and homebuyers across the UK.

In England, the Renters’ Rights Act received Royal Assent in October 2025 and will be phased in during 2026. The first stage includes the end of Section 21 ‘no fault’ evictions and the move from fixed-term tenancies to periodic agreements. The aim is to provide greater security and flexibility for tenants.

Scotland has also introduced changes. Local authorities can now designate Rent Control Areas, limiting how much rents can rise. Councils are also expected to intervene earlier to help prevent homelessness.

Stamp Duty thresholds reverted to previous higher levels in April 2025 for England and Northern Ireland. First-time buyers now pay Stamp Duty on properties above £300,000, while other buyers pay on homes over £125,000.

In Wales, proposed legislation focuses on improving building safety, particularly for taller properties and houses in multiple occupation, alongside reforms to strengthen homelessness support and social housing allocation.

Whether you rent or own, these changes may affect your plans this year. Reviewing your position early can help you stay informed and prepared.

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up mortgage repayments. Think carefully before securing other debts against your home.