Weekly market round-ups collating lender indices showed UK house prices rising modestly in July on both the Halifax and Nationwide measures, albeit with momentum easing from earlier in the summer.
Analysts attributed the pattern to improved mortgage pricing after cumulative BoE cuts, a slight firming in buyer demand captured by RICS, and persistent supply constraints in family-home segments.
For households, small nominal gains help rebuild equity lost in 2023, while for prospective buyers the trade-off remains between waiting for further rate reductions and securing still-limited stock.
For lenders, competitive dynamics have seen a raft of rate tweaks and product innovation targeting first-time buyers and remortgagers.
The data points are consistent with a ‘soft landing’ in housing, where prices stabilise and transactions gradually pick up, supporting consumer-facing sectors without reigniting credit risks.
Into autumn, attention will turn to how quickly savings rates fall relative to mortgage costs, as this spread influences deposit growth and the incentive to move.
Regional patterns will also matter, with northern England and Scotland often leading on activity while London and the South East lag due to higher absolute price levels and affordability constraints.
The latest data from UK Finance shows a rise in mortgage arrears and possessions in the second quarter of 2025, although lenders continue to offer support to struggling homeowners.
Homebuilder Persimmon has sold more homes but has warned that high mortgage costs are still a 'barrier' to buyers.
Headline mortgage deals for first-time buyers and remortgagers fell further, with the cheapest fixes starting around 3.7–3.9%.
Surveyors reported improved buyer enquiries and stabilising prices in July, hinting that BoE easing is feeding through.
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UK house prices increased by 0.4% in July, a larger-than-expected rise, according to the latest data from mortgage lender Halifax.
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