
Summer housing market snapshot
House price performance varies significantly across regions, with northern areas outperforming parts of the south Borrowers are increasingly favouring tracker and shorter-term fixed mortgages amid

House price performance varies significantly across regions, with northern areas outperforming parts of the south Borrowers are increasingly favouring tracker and shorter-term fixed mortgages amid

Garages and annexes were the most searched property features in 2025 Rural homes and large gardens gained popularity Swimming pools ranked above sea views in

Almost one in five first-time buyers are searching for mortgages below 60% loan-to-value The Lifetime ISA will be replaced with a new savings product focused
Over one-third of mortgage holders have no protection in place Nearly half would struggle within six months of losing income Income protection and life cover

New BTL lending rose 22.7% year-on-year in Q3 2025 Average UK rental yields increased to 7.15% Northern cities and Wales are emerging as strong yield

Equity release lending rose 11% year-on-year to £2.57bn Many borrowers use funds for home improvements or gifting family Housing wealth is increasingly integrated into retirement

Buyers are negotiating more carefully in affordability-focused markets Agreements in principle strengthen credibility with sellers Preparation improves both buyer confidence and seller outcomes The difficulty

Nearly half of aspiring buyers have never explored their borrowing potential Remortgaging could improve monthly affordability or release funds for improvements Early preparation strengthens your

Section 21 ‘no fault’ evictions are ending in England Stamp Duty thresholds reverted in April 2025 Rent control and safety reforms expand across devolved nations

Research shows that floral street names can significantly boost the value of a property The biggest premium was found on ‘Bellflower’ streets, where the median sale price increased 199%
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Home & Finance is registered in England and Wales.Registered office, 14 New Market St, Ulverston, Cumbria, LA12 7LN.
Authorised and regulated by the Financial Conduct Authority. Home & Finance General Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 300760 for General Insurance Products.
Authorised and regulated by the Financial Conduct Authority. Home & Finance IFA Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 135250 for Investment & Mortgage business.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
© Copyright 2024 Home & Finance. All rights reserved. Website by TOMD.
© Copyright 2024 Home & Finance. All rights reserved.
Website by TOMD.
Home & Finance is registered in England and Wales.Registered office, 14 New Market St, Ulverston, Cumbria, LA12 7LN.
Authorised and regulated by the Financial Conduct Authority. Home & Finance General Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 300760 for General Insurance Products.
Authorised and regulated by the Financial Conduct Authority. Home & Finance IFA Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 135250 for Investment & Mortgage business.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
© Copyright 2024 Home & Finance. All rights reserved. Website by TOMD.