UK Housing Market 2026: Regaining Momentum or Running Out of Steam?

House prices, interest rates, buy-to-let changes, government targets — there’s always plenty of noise around the UK property market.

But what’s actually happening beneath the headlines?

In the latest Citrus Insights, Richard Harris is joined by Matthew Cumber, Managing Director at Countrywide Surveying Services, for a clear and practical look at how 2025 really played out, and what 2026 might bring.

Key points from the episode include:

how house prices performed in 2025 — and why regional differences matter
whether buy-to-let is shrinking or simply becoming more professionalised
why housing supply remains the UK’s biggest structural challenge
what falling mortgage payments mean for borrowers
whether affordability changes from lenders could support activity in 2026
how government policy could affect higher-value homes

Watch the full episode now

Matthew’s message is measured: the market dislikes uncertainty, but underlying demand remains strong, and fundamentals still matter.

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