What’s next for the UK housing market in 2026? Outlook on interest and mortgage rates, first‑time buyers, rental reform and regional trends from Lloyds Banking Group.
What’s next for the UK housing market in 2026? Outlook on interest and mortgage rates, first‑time buyers, rental reform and regional trends from Lloyds Banking Group.
New analysis from Lloyds Banking Group finds that financial empowerment - having the confidence, capability and control to make informed financial decisions - has no single UK postcode. Across the country, people are using digital tools and AI for different priorities, from budgeting and debt reduction to investing, saving and planning ahead, with distinct regional patterns emerging.
As financial institutions invest in technologies that could reshape the future of the industry, senior leaders increasingly believe tokenisation could play a transformative role in how money and assets move through the financial system.
Business confidence fell 12 points to 41% in September, the lowest level since April 2025, according to the Lloyds Business Barometer. This decline follows August’s reading of 53%, the second highest recorded this year, and buoyant results since May. While confidence remained well above the survey’s long term average of 30%, it was six points below the 12-month average of 47%.
Lloyds Banking Group is a leading UK-based financial services group. We provide a wide range of banking and financial services, focused primarily on retail and commercial customers.
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Our purpose is Helping Britain Prosper. We do this by creating a more sustainable and inclusive future for people and businesses, shaping finance as a force for good.