Residential Property Review – August 2025
The UK housing market faces mixed conditions for the rest of 2025. Bank Rate cuts support borrowers, but house price growth is slowing due to high supply. Despite this, average home values have risen 20% since 2020, with strong gains outside London.
Significant gains for UK homeowners over two decades
Over the past 20 years, UK properties have increased in value by an average of £80,000. High-demand areas like the Cotswolds and South East saw the most significant gains, driven by location, infrastructure, and lifestyle changes, highlighting market resilience
Equity Release growth trend continues
The equity release market continues to return to growth, with £615m unlocked in Q3 alone. Average loan sizes rose, reflecting increased confidence among homeowners over 50. Equity release offers financial flexibility but requires careful consideration of personal circumstances
Budget news for the housing market
Taxation may have dominated the #AutumnBudget2024, but the fiscal event did include some announcements that will impact homeowners, buyers and sellers. Read more about the key changes…
Housing sales set to stay high after a robust year end
UK housing sales soared in 2024, driven by easing mortgage rates and strong first-time buyer activity. Modest price growth varied regionally. Stamp Duty relief expiring in March 2025 may spur early transactions before slowing later in the year
Significant gains for UK homeowners over two decades
Over the past 20 years, UK properties have increased in value by an average of £80,000. High-demand areas like the Cotswolds and South East saw the most significant gains, driven by location, infrastructure, and lifestyle changes, highlighting market resilience
Equity Release growth trend continues
The equity release market continues to return to growth, with £615m unlocked in Q3 alone. Average loan sizes rose, reflecting increased confidence among homeowners over 50. Equity release offers financial flexibility but requires careful consideration of personal circumstances
Budget news for the housing market
Taxation may have dominated the #AutumnBudget2024, but the fiscal event did include some announcements that will impact homeowners, buyers and sellers. Read more about the key changes…