Autumn Budget 2025 Predictions for Landlords and Homeowners
Estimated reading time 4 minutes
The Autumn Budget is coming later than expected this year. Instead of October, it will now be announced on 26 November 2025 by Chancellor Rachel Reeves.
The extra wait has led to lots of speculation about new property taxes. If you own, rent out, or are thinking of selling a home, here are the key areas to watch.
When is the Autumn Budget 2025 happening?
- Date: 26 November 2025
- Reason for delay: The new government wants more time to review the nation’s finances and plan long-term tax reforms
Autumn budget 2025 predictions that could affect you
Capital Gains Tax (CGT)
- May increase or be brought closer to income tax rates
- The tax-free allowance could shrink further
- High-value homes may lose some of their current exemptions
What this could mean:
- Selling a second home or investment property could become more expensive
- Some owners may try to sell before November to lock in current rates
Inheritance Tax (IHT)
- Allowances may be frozen or cut
- Gifting rules could tighten, meaning you’d need to live longer after gifting property before it’s tax-free
- Pension savings will start to count towards estates from 2027
What this could mean:
- More families could end up paying inheritance tax, especially if property values push them over the threshold
- Making a will and planning ahead is becoming increasingly important
National Insurance on rental income
- Landlords may have to start paying National Insurance on rental earnings
- Could be banded, with higher charges for higher rental income
What this could mean:
- Smaller landlords may see profits squeezed
- Some costs could be passed on to tenants through higher rents
- A few landlords might even decide to sell up
Wider property tax reforms
- Council Tax and Stamp Duty could be replaced with a yearly property tax
- Homes worth more than £500,000 may be most affected
- Relief on main homes could be limited for very high-value properties
What this could mean:
- If you live in a high-value area (especially London and the South East) you may face bigger bills each year instead of a one-off cost when buying
Autumn Budget 2025 prediction takeaways for landlords
- Thinking of selling? You might want to move quickly, before any CGT changes.
- Inheritance planning: Review wills, trusts, or gifting strategies before allowances shift.
- Landlords: Keep an eye on profitability if NI is introduced — it could change your rental strategy.
- High-value properties: Be prepared for the possibility of an annual property charge replacing current taxes.
Autumn Budget 2025 prediction takeaways for homeowners
- Selling your home: High-value property owners might face new taxes, so timing a sale could save money.
- Inheritance planning: Review wills, trusts, and gifting strategies now, before allowances or thresholds change.
- Long-term costs: Be prepared for possible annual property charges replacing Stamp Duty or Council Tax for high-value homes.
What the 2025 Autumn Budget means for property owners
The Autumn Budget 2025 could reshape property ownership, renting, and sales decisions in the UK. Landlords may face reduced profitability due to new National Insurance charges, while homeowners could see higher annual property taxes and tighter inheritance rules. CGT reforms may create urgency for selling second homes or investment properties before the new rules are introduced.
How to prepare for the Autumn Budget 2025
- Review your portfolio and financial exposure to rental income, CGT, and IHT
- Speak to financial advisors or tax specialists about potential strategies
- Stay informed on live updates from the Chancellor’s announcement to react quickly if changes are confirmed
How to watch the Autumn Budget 2025
Being proactive means following the Chancellor live on 26 November 2025 via TV, online streaming, or social media updates. Knowing the announcements as they happen allows you to make timely decisions, whether it’s accelerating property sales, adjusting rents, or updating estate plans.
