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.

To see more of our video updates visit our latest news page.

Don’t forget to subscribe to our YouTube channel.

A 22% tax on ISAs? Why the headline needs explaining

You may have seen some alarming headlines this week about HMRC introducing a 22% charge on cash held inside stocks and shares ISAs. At first glance...

Fraud Alert: The €10 taxi fare that became €570

As we head into the summer holiday season, we wanted to highlight a simple but costly scam that has been catching out tourists abroad. The scam...

Getting to Know… Steve Ody

Steve Ody joined Citrus Financial as a Mortgage and Protection Adviser, working alongside Nicky Kirton and Kate Morrish in our growing mortgage and...

Stay in the loop

SUBSCRIBE TO OUR MONTHLY NEWSLETTER