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Helen Ferneyhough Associates, a leading mortgage brokerage, is celebrating its fifth anniversary with exciting growth in Southport. As the firm expands to meet increasing demand, it is actively seeking skilled mortgage advisors to join the team and support homebuyers and investors navigating the evolving property market.
Despite upcoming changes to stamp duty, Southport is thriving with investment, regeneration, and a growing property market. While some buyers may hesitate due to the changes taking effect on 1 April 2025, savvy buyers and investors could find unique opportunities to secure better deals and capitalise on less competition.
Southport: A Prime Investment Opportunity
Southport has long been a sought-after coastal town, known for its traditional charm, vibrant events calendar, and strong investment potential. Historically favoured by an older demographic, the area is now attracting younger buyers looking for affordable property options.
Investment in the town is booming, with major homebuilders developing new housing and regeneration projects improving infrastructure and business growth. Southport is also set to gain international attention as it hosts The Open Championship at Royal Birkdale Golf Club in 2026, while annual events like the Southport Flower Show continue to draw visitors and boost the local economy.
“With significant investment in the area, Southport is only going to become more desirable,” says Helen Ferneyhough, founder of Helen Ferneyhough Associates. “For homebuyers and investors, this is a key moment to get ahead of the curve before prices inevitably rise.”
Why the Stamp Duty Changes Shouldn’t Put You Off
Many buyers may have concerns over the stamp duty changes taking effect in April 2025. The nil-rate threshold for first-time buyers will reduce from £425,000 to £300,000, and for other buyers, it will drop from £250,000 to £125,000. Additionally, the surcharge for second properties will increase from 3% to 5%.
However, rather than seeing this as a barrier, buyers should view it as an opportunity. The changes may deter some buyers from entering the market, meaning those who act now could face less competition and have more room to negotiate favourable prices.
“In many cases, buyers may be able to negotiate a discount that offsets, if not exceeds, the additional stamp duty cost,” Helen explains. “Sellers are aware of these changes and may be more open to offers, particularly in probate sales and properties that have been on the market for a while.”
How to Navigate the Stamp Duty Changes and Make the Most of the Market
Helen Ferneyhough shares her expert guidance for buyers and investors looking to take advantage of the current property landscape:
1. Act Now to Beat the April 2025 Deadline
If you’re already in the process of purchasing, securing a deal before the stamp duty changes take effect is the simplest way to avoid the extra cost, but that’s easier said than done. “With mortgage approvals and transactions taking time, acting now means buyers could secure their purchase and take advantage of the existing stamp duty thresholds before they revert. Ensure you’re already ahead and speak to your conveyancer to see if this is possible” says Helen.
2. Take Advantage of Reduced Competition
With some buyers delaying their purchases for the next months or years, due to stamp duty concerns, this means there is less competition in the market. “Fewer buyers means more negotiating power,” Helen explains. “This is a fantastic opportunity to secure a great deal, especially in areas like Southport where property prices remain more affordable compared to nearby cities.”
3. Consider Buying Through a Limited Company
For landlords and investors, purchasing through a limited company could be a smart move. “Although the additional property surcharge is increasing, landlords buying through a limited company can still benefit from tax efficiencies, including mortgage interest tax relief,” Helen advises. “This can help offset the stamp duty increase and make investments more viable.”
4. Look at Probate Sales and Properties That Have Been on the Market for Longer
Southport has a strong market for probate properties, often selling at competitive prices. With the upcoming stamp duty changes, sellers may be more willing to accept lower offers, meaning buyers can negotiate a price reduction that offsets the tax increase.
5. Remortgaging Could Unlock New Investment Opportunities
For existing homeowners looking to invest or expand their property portfolio, remortgaging to release equity can be a great way to fund new purchases. “With expert mortgage advice, homeowners can use their current properties to finance new investments while structuring their finances to minimise tax liabilities,” Helen explains.
Will the Government Reverse These Changes?
While there is always speculation that the government may adjust property taxes based on market conditions, Helen advises buyers to act on the facts available now rather than waiting for potential policy changes.
“Waiting on a possible government reversal could mean missing out on fantastic opportunities,” she warns. “Rather than delaying, buyers should focus on the deals that are available right now – especially with fewer competitors in the market.”
Southport’s Future Is Bright – Now Is the Time to Buy
With substantial investment, international events like The Open Championship boosting Southport’s profile, and a property market full of hidden opportunities, there has never been a better time to consider buying in the region.
“The stamp duty changes shouldn’t be a reason to hold back,” Helen emphasises. “With strategic planning, buyers can work around the changes and still secure fantastic deals. The key is getting the right advice and acting at the right time.”
Helen Ferneyhough Associates: Helping Buyers Make the Right Moves
As the Southport market evolves, Helen Ferneyhough Associates is expanding to meet growing demand. The firm is actively recruiting mortgage advisors to join its expert team, offering a fantastic opportunity for professionals to work with one of the region’s leading mortgage brokers.
“This is a huge year for us,” Helen says. “Over the last five years, we’ve built a strong reputation for guiding first-time buyers, landlords, and investors through the mortgage process. Now, as we grow our team and presence in Southport, we’re ready to support even more clients in achieving their property goals.”
For those interested in joining Helen Ferneyhough Associates, applications can be sent to info@hfassociates.uk.
Final Thoughts: See the Stamp Duty Changes as an Opportunity, Not an Obstacle
The upcoming stamp duty changes may shift the market, but for those who approach it with the right mindset, it could be an advantage rather than a setback. Less competition, more negotiating power, and smart financial planning mean buyers can still secure fantastic deals in Southport’s vibrant and growing market.
For expert mortgage advice or to discuss your property options, contact Helen Ferneyhough Associates on 01695 213 777 or at info@hfassociates.uk. Visit the website at https://HFAssociates.UK
Important Notices
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £195 to £1500, and this will be discussed and agreed with you at the earliest opportunity.
Your home may be repossessed if you do not keep up repayments on your mortgage.
