Emma Fildes

UK #housepriceindex explained. For those who want to decipher fact from fiction when it comes to #property price trends.

The number of borrowers looking to longer terms to get on the ladder, increased by 251% from 2019 to 30,338 in 2024. Many hoping they will be earning more in the future to pay down sooner. For those, less fortunate, retirement will be set back (which will inevitably happen anyway…

Greater flexibility in lending criteria may enable more buyers onto the property ladder but this increase in debt levels isn’t there to give you a “helping hand” but prop up house prices instead. @George_Nixon97 @thetimes bit.ly/4lVW00O

This week was all about revisal; be it property prices or rental growth, all were called into question and reined in. Affordability and caution dampened once-optimistic indices and agents’ predictions. Conservative leader Badenoch hoped to prove “clever” in her reshuffle and…

The only way is…sideways. Commercial Landlords face ban of upwards rent reviews. Giving tenants a break from further analysis and landlords, to reconsider contract lengths @JBSteins @PickardJE @FT

The UK property market is a confused place for many right now. Pricing is erratic and house price indices misleading. Growth in Northern or more affordable commutable regions paint a picture of a market attempting a comeback while Southern regions or the Capital are either…

The Estate Agency @Savills has revised its house price forecast for 2025 down. They now “predict” growth of just 1.0% from 4% previously, which they accredit to stamp duty upheaval, tariffs and global unrest. Moving forward though they expect the market to pick up in autumn which…

Nothing curls my lip faster than being told nonsense like we need "OUR BROKER" to confirm your clients funds when I've already done AML and my client has their own broker... "Mortgage firm Boon Brokers surveyed 1,000 people who had used an estate agent for a residential property…

The buy-to-let market got a boost in Q1 2025 as unperturbed investors looked to more profitable investments in cheaper areas, before tax thresholds shifted in April. As yields crept up and rates went down, the number of buy-to-let loans rose by 58,347 in Q1 2025. This was worth…

Stock levels and price reductions continue to snowball this week in prime Central London leaving sales down but with the increase in the number of properties under offer the week, there are signs of movement… if the price is right. @LonresComLtd @PrimeResi

Chasing a profit becomes less likely for those indebted, leaving only cash rich investors in the rental game. The once reliable individual pension pot is tipped upside down, with new regulation, maintenance, increased insurance and rental repayments resulting in Landlords…

Analysis by @Zoopla shared with the @BBCBreaking suggests that “rents for new tenancies are 21%, or typically £221 a month, more expensive than three years ago.” Northern regions have driven rental price inflation but in more expensive areas, like London, affordability now…

The cost of government debt, spending on goods and services all led to a rise in borrowing but social benefit outgoings widened the debt hole further. This will undoubtedly result in an increase in taxes come autumn, leaving the public with little change in their pocket. “There…

If implemented, a wealth tax will prove a sinker weight on both house prices and a colossal administrative task to reel in with properties in the Capital and south bringing in the biggest haul. @davidbyers26 @thetimes bit.ly/4m4VqxP

The FCA continues to push lending boundaries. Today this comes in the form of an announcement about  a number of  VOLUNTARY actions to enable borrowers already on the ladder. Firstly they want to make it easier for borrowers to reduce their mortgage term, saving them from a…

Rental growth is suppressed but not paralysed by falling rates, which is driving those that can, off the rental merry go round and onto the ladder. As a result of this, Estate Agent @Hamptons1869 has revised its 2025 rental growth forecast down from 4.5% to 1% along with the…

The latest @rightmove HPI reported the largest monthly drop in asking prices for July in 20 years. Average new seller asking prices shaved 1.2% (-£4,531) off their starting price in the hope of attracting a buyer during what is typically a sticky few months. As a result, average…

Bangladeshis linked to Hasina Regime get a quick wash in before the London laundromat leaves them out to dry ⁦@ByRobDavies⁩ theguardian.com/business/2025/…