17 November 2025
The UK housing market is showing signs of being buyer-friendly this autumn, thanks to a high supply of properties and modest improvements in affordability.
Key Market Trends
- High supply: Property listings are at a decade-high, giving buyers more choice and negotiating power.
- House prices: Asking prices fell 1.2% in July, the largest July drop in over 20 years, but remain slightly above last year’s levels. Average UK property prices are around £270,000, with growth varying by region.
- Improving affordability: Lower mortgage rates, including five-year fixes below 5%, are helping buyers. Agreed sales are up 5% and buyer enquiries 6% in August.
Autumn Outlook
- For buyers: More properties, better negotiating power, and improving affordability make this a strong time to search.
- For sellers: Pricing correctly is crucial — overpricing risks losing interest.
- For the market: Modest price growth is expected, and steady activity, combined with potential rate cuts, could sustain momentum through the season.
Autumn presents opportunities for both buyers and sellers — but the key remains strategy and pricing.
🚨 Data accurate as of the date of publication
🚨 The above material is for informational purposes only and does not constitute a sales offer or financial advice. Before taking out any insurance, mortgage, credit agreement or other financial product, you should obtain individual advice on your requirements and the general terms of the contract.
Source: Quilter Financial Services – Essentially Mortgages Q4 2025
