Swindon Property Market Update 2025: A Resilient Market with Strong Growth Potential

A personal opinion piece by Samuel Mather-Holgate

Swindon’s property market has made an impressive start to 2025, with house prices rising by 2.2% over the past year, surpassing the national average of 1.9%. This consistent growth has placed Swindon among the top five best-performing areas in the South West, reinforcing its reputation as one of the region’s most promising locations for homeowners and property investors alike.

With an average property price of £253,800, Swindon continues to offer an affordable alternative to nearby cities like Bristol and Reading, making it an attractive prospect for first-time buyers, growing families, and buy-to-let investors. However, with sales activity slowing, what does this mean for those looking to enter or expand their footprint in the market?

Understanding Swindon’s Property Market Performance

Over the past five years, Swindon’s property values have grown by 21.1%, demonstrating long-term resilience and steady demand. While property prices across the UK have fluctuated in response to economic shifts, interest rate changes, and cost-of-living concerns, Swindon’s affordability and strong local economy have helped it maintain above-average house price growth.

However, sales activity in Swindon has slowed. The time it takes for a home to go under offer has extended to 47 days, compared to an average of 34 days over the past five years. This slowdown is not unique to Swindon but reflects a broader cautious approach among buyers in the face of economic uncertainty.

Several factors could explain this:

• Higher mortgage rates in 2023 and 2024 have made affordability more challenging for some buyers.
• Buyers taking a ‘wait-and-see’ approach, hoping for potential interest rate reductions later in 2025.
• More properties on the market, providing buyers with greater choice and bargaining power.

While this may slow transaction speeds in the short term, it also presents opportunities for buyers who can secure competitive mortgage rates and negotiate favourable deals before demand picks up again.

Why Swindon is an Attractive Place to Live and Invest

Swindon has long been a prime location for commuters, professionals, and investors due to its affordability, strong transport links, and growing economy. Here’s why it remains a top choice in 2025:

1. Excellent Connectivity

• London in under an hour: Swindon’s high-speed rail links allow commuters to reach London Paddington in around 50 minutes, making it ideal for those who work in the capital but want more affordable living costs.
• M4 Corridor: Easy access to the M4 motorway provides seamless connections to Bristol, Reading, Cardiff, and the South West, making Swindon a business hub as well as a residential hotspot.

2. A Thriving Local Economy

Swindon is home to major employers, including Nationwide, Intel, and BMW, offering stable job prospects that support a strong housing market. As companies continue to invest in the region, demand for housing is expected to remain steady.

3. More Affordable than Nearby Cities

With an average house price of £253,800, Swindon offers significantly better value than neighbouring cities such as Bristol (£386,000) or Reading (£327,000). This affordability makes it appealing to first-time buyers and investors seeking strong rental yields.

4. Growth in Rental Demand

Swindon’s booming rental market is another reason why buy-to-let investors are drawn to the area. With rising demand from young professionals and families, the town offers attractive rental yields and low void periods, making it a lucrative opportunity for landlords.

What’s Next for Swindon’s Property Market?

Looking ahead, market conditions in 2025 will likely be shaped by interest rates, economic stability, and housing supply.

1. Will Interest Rates Fall?

The Bank of England has held interest rates at their highest level in over a decade, cooling the housing market. However, speculation suggests that rates may start to ease in late 2025, which could reignite demand and push prices higher.

For buyers, this means that locking in a mortgage deal now—before competition increases—could be a smart move.

2. House Prices Expected to Rise Further

With Swindon already outperforming the national average, steady long-term price growth is expected. While gains may be moderate in the short term, the town’s strong economy, affordable housing, and transport links make it a prime location for future appreciation.

3. Increased Supply Could Benefit Buyers

An increase in available properties on the market means more choice and negotiation power for buyers. However, as economic confidence improves, competition may return—making early movers the ones who benefit the most.

Is Now the Right Time to Buy?

For first-time buyers, homeowners looking to upsize, and buy-to-let investors, Swindon presents an attractive window of opportunity. The combination of rising house prices, slower sales activity, and an increase in available homes means buyers have a strong negotiating position—but this window may not last indefinitely.

Navigating the Mortgage Market

Whether you’re buying your first home, remortgaging, or investing in buy-to-let, navigating the mortgage market can be challenging—especially with fluctuating interest rates.

At Mather & Murray Financial, we specialise in independent mortgage advice, helping clients secure the best mortgage deals based on their circumstances. We work with a wide range of lenders to find the most competitive rates, ensuring you get the best financing solution for your home purchase.

Book a call back today to discuss your mortgage options with one of our expert advisers.

Final Thoughts

Swindon’s property market remains one of the strongest in the South West, offering affordability, strong economic fundamentals, and long-term growth potential. While the current slowdown in transactions presents short-term challenges, it also creates opportunities for savvy buyers and investors.

If you’re considering buying in Swindon, now is the time to explore your mortgage options, take advantage of the current market conditions, and secure a home or investment before prices climb further.

Get in touch with us today to learn how we can help you navigate the Swindon property market with confidence.