Published: October 4, 2025

Housing Market insights for Southend On Sea

By Donna Puncher CeMAP

Introduction

2025 is shaping up to be a year of cautious optimism in Southend’s housing market. After a few years of rate rises and economic uncertainty, buyers and homeowners alike are starting to see more stability. But what does this mean for first time buyers and those looking to remortgage in Southend?

Current Market Overview

• Property prices: Average property prices in Southend are steady, with flats around £220,000 and family homes £350,000–£400,000+.
• Demand: First time buyers remain active thanks to schemes and improving mortgage affordability.
• Supply: More stock is coming onto the market compared with the previous two years, giving buyers more choice.

First Time Buyer Trends

For first time buyers, the challenge remains deposits. While lenders are offering 95% mortgages, affordability rules are still tight. Our Southend First Time Buyer guide explains how much you can borrow and what schemes might help.

Local Southend Market Snapshot

With average house prices in Southend climbing, many owners have built equity faster than expected. This can move you into a lower Loan-to-Value (LTV) band, unlocking cheaper rates.

Remortgage Trends

Many Southend homeowners are remortgaging earlier to lock in security. With rising house values, borrowers often move into a lower Loan-to-Value (LTV) bracket, unlocking better rates. See our Southend Remortgage guide for examples.

Base Rate Impact

• The Bank of England base rate remains a key driver. Fixed rates have started to settle, but tracker and variable products remain sensitive to MPC decisions. Understanding these shifts is crucial whether you’re buying or refinancing.

Local Factors

Southend’s ongoing regeneration projects, strong commuter rail links to London, and seaside lifestyle keep the town attractive to buyers. Demand is particularly strong in Chalkwell, Leigh-on-Sea, and along the seafront.

How Amber Mortgage Solutions Supports Southend Clients

• Guidance for first time buyers navigating affordability.
• Independent remortgage comparisons for existing homeowners.
• FCA-compliant advice tailored to Southend’s market conditions.