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.
The UK housing market saw minimal growth and steady activity over the past year, with affordability still tight but supported by easing mortgage rates, and modest price increases of 1–3% expected in 2026 amid continued economic uncertainty.
According to the latest analysis from Halifax, first-time buyers made up over half (54%) of all home purchases made with a mortgage last year, the biggest majority on record.
The press releases contained in these pages are intended for the sole use of journalists and media professionals. They are not intended for use by customers or members of the general public.