Every December, as soon as the last of the Christmas plates are cleared, our attention shifts to the next great tradition of the season: New Year sales bargains. And that includes dreaming about moving home!
Whether you’re upgrading your TV, refreshing your wardrobe, or finally investing in that friendly AI virtual assistant you’ve been pretending not to want, there’s something undeniably satisfying about getting ahead of the January rush. And people moving home can benefit from a similar early-year advantage too…
While the property market doesn’t exactly run seasonal flash sales (that would be interesting), the weeks and months that follow Christmas often bring a unique set of conditions that give home buyers a helpful edge. And if you’re thinking about moving home in 2026, now might be a better time to start planning than you think.
Let’s unwrap why…
1. Fewer buyers = Less competition
Once the calendar flips into the new year, many people are still feeling financially cautious or simply taking their time easing back into routines.
That means:
- Fewer active buyers in January and early February
- Less competition on viewings
- A lower chance of getting caught in a bidding war.
For you, that can translate to calmer house-hunting and sometimes an even better negotiating position.
2. New listings start to appear
While some people put their moving plans on pause for Christmas, homeowners often re-list or launch new properties in January. It’s a fresh start for everyone. Think about those who are moving home because they found theirs too small for the growing family, or too big for how their Christmases have changed.
This means:
- You may see more choice than you had in late autumn
- Sellers tend to be motivated and responsive
- The market begins to build momentum, but you’re ahead of the rush.
Think of it like getting to the New Year’s Day sale before the big queues form.
3. Sellers may be more open to offers
December can be a disruptive month for anyone trying to move, so sellers who have been on the market for a while may be particularly ready to negotiate by January.
You might find:
- More flexibility on price
- Willingness to discuss fixtures and fittings
- Openness to quicker moves
It’s not about undercutting though, just about entering the conversation at a moment when buyers can have a little more leverage.
4. Mortgage products often refresh in the new year
The start of the year is commonly the time when lenders update their products or release new rates. This can create opportunities for borrowers who are already prepared.
At MK Mortgages, we track these changes, so:
- You won’t miss a new or more competitive option
- You’ll know quickly whether a revised product suits your budget
- You can move fast if something favourable appears.
Much better than trying to make sense of it alone in the January fog.
5. Getting organised early pays dividends
Much like snagging the last good deal before stock runs out, being ready in January means you can act confidently and quickly while others are still finding their footing.
A bit of light prep is all it takes:
- Know your budget
- Have your documents ready
- Get your Mortgage in Principle sorted
- Have a clear picture of your priorities.
It’s amazing how a small head-start becomes a big advantage.
Looking to join the others moving home in 2026? Start before the rush
If the idea of buying a home is already whispering in the back of your mind, January could be the perfect time to take action. Not stressful action - just smart, simple planning guided by someone who knows the market inside-out.
At MK Mortgages, we’re here to make the new year feel clear, calm, and full of possibility.
When you’re ready to find your own early-year bargain in the property market, we’ll be here to help. Just book an appointment and let’s get started.
