What’s the minimum deposit I need?

Most lenders require at least 5%, but putting down more can unlock better rates and lower monthly payments.

Do I need to speak to a mortgage broker?

We can introduce you to a regulated mortgage broker where advice is required. They’ll recommend the right mortgage based on your specific needs.

How long does the process take?

On average, it takes 4 to 8 weeks from mortgage application to offer — but it can vary depending on the lender and legal process. We’ll help keep things moving.

Can I combine multiple pensions into one?

Yes — pension consolidation is common, but depends on your scheme types and if any benefits would be lost.

What if I don’t know where my pensions are?

We’ll help you track them down using pension tracing tools and provider contact checks.

Can I access my pension early?

Generally from age 55 (rising to 57 in future), but early access may reduce your future income.

Sidcup Property Market Update: 2025 Mid-Year Snapshot

The Sidcup property market has remained surprisingly resilient through the first half of 2025. Despite national uncertainty, fluctuating mortgage rates, and a slower market in many parts of London, Sidcup continues to perform strongly—especially in the first-time buyer and family-home sectors. With competitive pricing, excellent schools, strong commuter links and increased buyer confidence, the DA14 and DA15 postcodes remain some of the most attractive in South East London.

As local mortgage brokers working daily with Sidcup buyers and homeowners, here’s our clear, no-nonsense mid-year update on what’s happening right now in the area.

Average House Prices in Sidcup (2025 YTD)

Property prices in Sidcup have remained stable with modest growth. Buyers continue to prioritise value-for-money areas, and Sidcup has benefitted from people moving out of pricier parts of South East London.

Flats: £255,000 – £340,000
2-bed terraces: £370,000 – £420,000
3-bed 1930s semis: £480,000 – £585,000
Larger family homes: £600,000 – £850,000+

Prices have shown a modest increase of around 1.5%–2.2% since January 2025—stronger than London’s overall performance in the same period.

What’s Driving Demand?

1) Strong Transport Links

Direct trains to London Bridge, Charing Cross and Cannon Street remain a major draw. Early 2025 saw an uptick in commuter demand due to job market stability.

2) Better Affordability Than Neighbouring Areas

Sidcup still beats Eltham, Greenwich, Blackheath and Bromley on price-per-square-foot, attracting first-time buyers and upsizers looking for value.

3) Highly Rated Schools

Chislehurst & Sidcup Grammar, Bexley Grammar and strong primaries continue to push family demand in DA14/DA15. School catchments remain a major driver of purchases.

4) Growing Local Investment

Sidcup High Street improvements, new cafés, and ongoing redevelopment around the station area are boosting the area’s appeal.

Market Activity: What We’re Seeing Day-to-Day

As brokers dealing with Sidcup cases every week, here’s what’s actually happening on the ground:

Good-quality flats are selling within 10–21 days.
Family homes near Station Road, The Hollies and Longlands are in high demand.
Properties needing work are attracting investors and builders again due to falling refurb costs.
Chain delays are still an issue—but improving.
More first-time buyers are entering the market compared to 2023–2024.

In short: demand is healthy, but buyers are more cautious and financially aware.

Mortgage Rates & Lending Conditions (2025)

Lenders have gradually reduced rates since late 2024. Affordability is still tight but improving as inflation stabilises.

Typical first-time buyer rates (mid-2025):

5-year fixed: 4.19% – 4.59%
2-year fixed: 4.45% – 4.85%
Trackers: Base + 0.30 to + 0.75

Some lenders have reintroduced **4.5× income** and limited **5× income** products for strong cases, providing more flexibility for Sidcup buyers.

Who’s Buying in Sidcup in 2025?

The buyer profile so far this year looks like:

First-time buyers (biggest segment: 1–2 bed flats)
Young families needing larger 1930s semis
Investors looking for refurb/letting potential
Upsizers moving from Eltham/Welling to Sidcup

Sellers who price realistically are securing quick sales.

Rental Market Update

Sidcup’s rental market is strong due to its combination of transport, affordability and education access.

1-bed flats: £1,250 – £1,450 pcm
2-bed flats: £1,550 – £1,750 pcm
3-bed houses: £2,100 – £2,400 pcm

Student demand from Rose Bruford College also keeps smaller flats well-tenanted.

Outlook for the Rest of 2025

Our outlook for Sidcup remains positive. If inflation continues to cool and lenders reduce pricing further, we expect:

More first-time buyers entering the market
Increased competition for family homes
Slight price growth (1–3%) in popular streets
Better rates and more flexible affordability checks

For now, Sidcup remains one of the few London suburbs balancing affordability with long-term growth potential.

Thinking About Buying or Remortgaging in Sidcup?

Whether you’re looking to buy your first home, move within the area or review your current mortgage deal, we can help you navigate the 2025 market with clear, personalised guidance.

Contact our Sidcup mortgage team today for an honest, straightforward chat about your options.