{"id":4622,"date":"2026-03-26T12:21:40","date_gmt":"2026-03-26T11:21:40","guid":{"rendered":"https:\/\/pfadvisors.co.uk\/?p=4622"},"modified":"2026-03-24T12:28:37","modified_gmt":"2026-03-24T11:28:37","slug":"key-changes-in-the-housing-market","status":"publish","type":"post","link":"https:\/\/pfadvisors.co.uk\/en\/key-changes-in-the-housing-market\/","title":{"rendered":"Key changes in the housing market"},"content":{"rendered":"

November\u2019s Budget introduced a number of housing-related measures that are expected to affect landlords, homeowners and first-time buyers over the coming years. While some changes will not take effect immediately, they signal a clear shift in government policy and could influence decisions across the property market.<\/p>\n

\ud83d\udd14 Here\u2019s a quick reminder:<\/strong><\/p>\n

\ud83c\udfe0 Landlords \u2013 higher tax on rental income<\/strong>
\nLandlords<\/a> are likely to feel increased financial pressure following announced changes to the taxation of rental income. From April 2027, Income Tax on property earnings will rise by two percentage points across all bands, taking the basic rate to 22%, the higher rate to 42% and the additional rate to 47%. For many buy-to-let investors, these increases will reduce after-tax rental yields and add to existing cost pressures, including mortgage rates, maintenance costs and regulatory requirements.<\/p>\n

\ud83d\udcbc Lifetime ISA set for reform<\/strong>
\nFirst-time buyers are also facing a significant change, with the government confirming plans to reform the Lifetime Individual Savings Account (LISA). A formal consultation is due in early 2026, with the intention of introducing a new, simpler ISA product designed to support people buying their first home.<\/p>\n

\ud83c\udfdb Council Tax changes for high-value homes<\/strong>
\nThe Budget also outlined plans for a new High Value Council Tax Surcharge, sometimes described as a \u2018mansion tax\u2019. From April 2028, owners of homes valued at \u00a32m or more (based on 2026 values) will face an additional annual charge of \u00a32,500, rising to \u00a37,500 for properties worth \u00a35m or more. While only around 0.5% of homes are expected to be affected \u2013 mainly in London and the South East \u2013 the measure could still have wider implications for the high-end market.<\/p>\n

The Budget outlined plans for a new High Value Council Tax Surcharge, additional annual charge of \u00a32,500 for properties worth \u00a32m or more rising to \u00a37,500 for properties worth \u00a35m or more, sometimes described as a \u2018mansion tax\u2019.<\/p>\n

Like us on Facebook >><\/a><\/strong><\/p>\n

\ud83d\udea8 Data accurate as of the date of publication<\/p>\n

\ud83d\udea8 Your home may be repossessed if you do not keep up repayments on your mortgage.<\/p>\n

\ud83d\udea8 The above material is for informational purposes only and does not constitute a sales offer or financial advice. Before taking out any insurance, mortgage, credit agreement or other financial product, you should obtain individual advice on your requirements and the general terms of the contract.<\/p>\n

\u2139\ufe0f Based on: Quilter Financial Services \u2013 Essentially Mortgages Q1 2026<\/p>\n","protected":false},"excerpt":{"rendered":"

November\u2019s Budget introduced a number of housing-related measures that are expected to affect landlords, homeowners and first-time buyers over the coming years. While some changes will not take effect immediately, they signal a clear shift in government policy and could influence decisions across the property market. \ud83d\udd14 Here\u2019s a quick reminder: \ud83c\udfe0 Landlords \u2013 higher […]<\/p>\n","protected":false},"author":1,"featured_media":4623,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[31,42],"tags":[],"class_list":["post-4622","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-housing-market","category-landlords"],"acf":[],"yoast_head":"\nKey changes in the housing market - Prestige Financial Advisers<\/title>\n<meta name=\"description\" content=\"Key UK property market changes after the Budget: higher taxes for landlords, Lifetime ISA reform and new charges for high-value homes. 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