chant-properties-2025

April 2026

Mon, 04 May 2026 15:09:50 GMT

April 2026 Property Market Review: What Really Happened

Every month brings fresh data that helps property investors understand where the market's heading. April 2026 delivered some surprising developments that caught many off guard.

House Prices: The Unexpected Jump

Despite growing uncertainty from Middle East tensions, UK house prices rose by 3% in April - the fastest annual pace in 11 months according to Nationwide.

The typical UK property is now worth £278,880. That's a monthly increase of 0.4% in April after March's 0.9% rise.

Regional performance varied dramatically. Government data shows the North East led monthly increases with 2.7% growth in February (the latest official figures), whilst London saw prices fall by 1.9%.

For northern property investors, this creates genuine opportunity. Newcastle and surrounding areas continue showing stronger fundamentals than the capital.

The Transaction Reality Check

Here's where the story gets interesting. HMRC data reveals property transactions dropped 41% year-on-year in March 2026.

But before you panic - this reflects the market returning to normal after last year's stamp duty deadline rush. Transactions remain 5% above the five-year average at 104,070 deals.

Government statistics show February's seasonally adjusted transactions hit 102,000 - down 5.6% annually but up 5.6% month-on-month. The market's stabilising, not collapsing.

The Rental Revolution Begins

May 1st marked a watershed moment. The Renters' Rights Act came into force, ending Section 21 'no-fault' evictions and limiting rent increases to once yearly.

Early signs suggest the feared landlord exodus isn't materialising as predicted. Rental demand remains strong, with average UK private rents up 3.5% year-on-year to £1,374 monthly by February 2026.

Many landlords are adapting rather than selling. Rent increase mechanisms now require Section 13 notices, but professional landlords understand the new rules create barriers for amateur competitors.

Mortgage Markets: Cautious Optimism

Lenders started reducing rates after Middle East conflict volatility. Bank of England mortgage approvals reached 62,600 in February - a 4-month high.

The base rate held at 3.75%, with major lenders including Barclays, HSBC, and NatWest cutting rates. Two-year fixes now start from 4.55% for homemovers with 40% deposits.

This creates breathing space for property investors who've delayed decisions due to rate uncertainty.

What This Means for Northern Investors

Three opportunities emerge from April's data:

Motivated sellers are appearing. Estate agents report growing inventory backlogs, with sales conversion rates dropping from 17% to 14% year-on-year. Properties take longer to sell, creating negotiation power.

Regional performance diverges sharply. Government data confirms northern regions outperforming London and the South East. Your local knowledge becomes more valuable when national trends don't apply uniformly.

Buy-to-let fundamentals remain strong. Despite regulatory changes, rental demand exceeds supply. Professional landlords who understand the new rules face less competition from those who don't.

The Reality Behind the Headlines

Property investment success comes from understanding what data means rather than reacting to headlines. April showed a market absorbing multiple shocks whilst maintaining underlying stability.

House prices rose despite geopolitical tensions. Transactions stabilised after artificial spikes. New rental regulations created clarity rather than chaos. Mortgage rates began falling as volatility eased.

For property investors with capital and market knowledge, April 2026 created more opportunity than obstacle. The key lies in recognising these moments when others see only uncertainty.

The fundamentals haven't changed - people need homes to buy and rent. What's shifted is how efficiently the market operates and who benefits most from that inefficiency.

Those prepared to act when others hesitate often find April's market conditions provide exactly what serious property investment requires.

This analysis uses the latest available government statistics from HM Land Registry, HMRC, and the Bank of England, combined with industry data to provide accurate market insight for property investment decisions.

UK Property Market Update March 2026: Boom Meets Storm

Fri, 03 Apr 2026 06:30:38 GMT

UK Property Market Update: March 2026 - Sharp Price Growth Meets Geopolitical Uncertainty

March 2026 has delivered one of the most dramatic months for the UK property market in recent memory. Whilst house prices surged at their fastest rate in almost 18 months, a perfect storm of geopolitical events has cast serious doubt over what comes next.

The Numbers Tell Two Stories

The headline figures paint a picture of unexpected strength. According to Nationwide, the typical UK home jumped 0.9% in value during March alone - the sharpest monthly increase since December 2024. This surge pushed the average house price to £277,186 , with annual growth accelerating from a modest 1% in February to 2.2% by March's end.

These numbers surprised economists who had predicted more modest growth of around 0.6%. Coming on the back of official HM Land Registry data showing the average UK home at £268,000 in January (with more conservative annual growth of 1.3%), March's acceleration represents a significant shift in momentum.

Regional Winners and Losers

Not every corner of Britain shared in March's good fortune. The strongest performers continue to be found outside London's orbit:

Northern Ireland leads the charge with eye-watering annual growth of 9.5%, pushing average prices to £225,269. The North West of England follows with solid 3.1% growth to £229,173, whilst Scotland maintains steady progress at 3% annual growth.

London's story remains more complex. Despite showing the strongest monthly increase of 0.8% in January's government data, the capital faces headwinds with annual declines of 1.7%. The government statistics reveal stark variations within London itself - whilst areas like Redbridge posted 7.2% annual growth, prestigious locations like Kensington and Chelsea saw values tumble 10.8%.

The outer South East and East Anglia continue their struggles, with both regions posting annual declines according to official data.

The Iran Crisis Changes Everything

Just as the market appeared to be finding its feet, the US-Israel war on Iran erupted, sending shockwaves through financial markets that immediately hit British homebuyers where it hurts most - their mortgage rates.

Two-year fixed rates rocketed from 4.83% to 5.77% during March alone. Five-year fixes jumped from 4.95% to 5.7%. These aren't gradual increases - they represent the biggest mortgage rate upheaval since the aftermath of Liz Truss's mini-budget in 2022.

The root cause lies in changed expectations for Bank of England policy. Where markets previously anticipated two base rate cuts this year, they now expect three rate rises from the current 3.75%. This dramatic reversal reflects fears that the Middle East conflict will drive energy costs higher, forcing the central bank to prioritise inflation fighting over growth support.

Activity Levels Tell the Real Story

Behind March's price surge lies a market still struggling with fundamental challenges. The latest government data reveals transaction volumes remain deeply depressed - just 43,013 sales completed in England during November 2025, compared to 70,691 the previous year.

Recent surveys confirm this malaise continues. New buyer enquiries fell sharply to a net balance of -26% in February, down from -15% the previous month. Mortgage approvals, whilst showing some signs of life with 60,000 recorded in January, remain well below historical norms.

Estate agents report viewing numbers beginning to soften as the mortgage rate surge takes hold. "We are seeing a slight softening in viewing numbers as some buyers pause to assess the situation," notes Amy Reynolds from Richmond-based Antony Roberts.

Rental Market Shows Signs of Balance

One bright spot emerges in the rental sector, where supply and demand dynamics finally show improvement. Competition among tenants has fallen to six-year lows, with enquiries per property dropping from 6.5 to 4.8.

This cooling reflects both increased supply (up 11% year-on-year) and reduced demand (down 14%). The improvement appears driven by more renters successfully moving into home ownership, freeing up rental properties for others.

Annual rental growth has slowed to 1.9%, down from 2.8% previously. However, northern cities continue outperforming, with Liverpool and Newcastle posting robust rental growth of 4.6% and 4.5% respectively.

First-Time Buyers Seize the Moment

Despite broader market challenges, first-time buyers have emerged as unexpected winners. Bank of England data shows their share of new mortgage lending hit 31.4% in Q1 2025 - the highest proportion since records began in 2007.

This surge partly reflects government schemes supporting first-time purchases, but also suggests younger buyers are acting decisively whilst they can still secure financing. High loan-to-value lending (above 90%) reached 6.7% of all advances - levels not seen since the 2008 financial crisis.

Property Investment Perspective

For property investors, March 2026 presents both opportunity and significant risk. The price surge offers hope that the market retains underlying strength, particularly in regions showing consistent growth like the North West and Scotland.

However, the mortgage rate environment fundamentally changes investment economics. Buy-to-let investors face particular pressure, with their share of new lending falling to just 8% as higher rates squeeze rental yields.

Investors with cash positions may find genuine opportunities emerging as stretched borrowers are forced to sell. The key will be focusing on areas with strong rental demand and avoiding markets overly dependent on mortgage-driven demand.

Looking Ahead: Uncertainty Rules

March 2026 will likely be remembered as the month when optimism met reality. The strong price performance demonstrates the market's underlying resilience, but the mortgage rate shock threatens to derail any sustained recovery.

Much depends on how the Middle East situation develops. A swift resolution could see mortgage rates retreat, allowing the market's positive momentum to continue. Prolonged conflict, however, could push rates even higher, potentially triggering the market correction that many have long predicted.

The rental market's improvement offers hope that housing demand remains robust across different sectors. Combined with government data showing increased first-time buyer activity, this suggests the market retains fundamental strength.

For those considering property transactions in the coming months, timing has rarely been more critical. Sellers might find March's price surge represents a window of opportunity before higher mortgage rates fully impact buyer demand. Buyers, meanwhile, may want to complete purchases quickly before rates climb further.

March 2026 has reminded us that in property, as in life, nothing stays the same for long. The market's ability to navigate the months ahead will test every participant - from first-time buyers to seasoned investors.

Data sources: Nationwide Building Society, HM Land Registry UK House Price Index, Bank of England Mortgage Lenders and Administrators Statistics, RICS, Zoopla, Retire Invest residential property review.

Property Market Update: February 2026

Fri, 06 Mar 2026 16:52:17 GMT

February 2026: A Market at the Crossroads

�� Key Headlines This Month

House prices rise 2.4% annually to £270,000 (December 2025 official data)
Bank of England holds base rate at 3.75% - but vote split 5-4 signals future cuts likely
Rental market shows continued strength with 3.5% growth to £1,367 monthly
Regional divide deepens: North East surges 8.0% in rents, London struggles at 1.1%

�� House Prices: Steady Foundations Despite Headwinds

Official government statistics confirmed UK house prices averaged £270,000 in December 2025, delivering 2.4% annual growth . Whilst slower than November's 2.8% pace, this represented consistent momentum rather than market decline.

Regional Performance Spotlight

Strongest Growth:

North East: 4.6% annual increase (house prices)
Wales: 5.0% annual growth
Scotland: 4.9% annual rise
Northern Ireland: 7.5% annual growth

Challenging Areas:

London: -1.0% annual decline (continuing weakness)
England average: 1.7% modest growth

The regional story remained clear - northern areas continued delivering whilst London faced ongoing affordability pressures and oversupply in certain segments.

�� Interest Rates: Dovish Signals Beneath the Surface

February's Bank of England decision held base rate at 3.75%, but the 5-4 voting split revealed significant dovish sentiment . Four committee members favoured another cut, suggesting future reductions remained likely.

Crucially, the Bank projected inflation falling to 2.1% by Q2 2026 - significantly lower than previous forecasts. This dovish shift telegraphed improving conditions ahead.

What This Means for Mortgages

Government data showed mortgage approvals at 59,999 in January - the lowest in two years - yet house prices continued rising. This revealed a market driven by cash buyers and committed investors rather than mortgage-dependent purchasers.

Net mortgage borrowing fell to £4.1bn from December's £4.5bn, whilst effective rates on new mortgages dropped to 4.09% from 4.15%. Progress was modest but directionally positive.

Current Mortgage Stress Levels

Industry data from UK Finance showed mortgage stress remained contained :

Just 0.92% of homeowner mortgages in arrears (Q4 2025)
Only 0.5% of buy-to-let mortgages affected
Both figures falling quarter-on-quarter
Possessions remained low by historical standards

�� Rental Market: The Real Story of Supply and Demand

Here's where February's official data became compelling for investors.

Average UK rents climbed 3.5% to £1,367 monthly by January 2026 . England reached £1,423 monthly - clear evidence that demand continued outstripping supply.

Regional Rental Highlights

Highest Growth Areas:

North East: 8.0% annual increase (strongest in England)
Wales: 5.8% annual growth
Northern Ireland: 5.6% rise

Moderating Growth:

London: Just 1.1% increase (weakest performance)
Scotland: 2.6% growth (down from 2.8% in December)
England average: 3.5% rise

Property Type Variations:

Detached properties: £1,563 monthly average
Four-bedroom homes: £2,037 monthly
One-bedroom units: £1,109 monthly
Flats and maisonettes: £1,334 monthly

�� Market Sentiment: Selective Opportunities Emerging

February's data painted a picture of selective opportunity rather than broad market strength. The statistics confirmed what experienced investors understood: property markets had regionalised, with national averages obscuring local realities.

Key Opportunity Indicators: ✅ Rising rents across most regions despite market uncertainty ✅ Landlord exits creating reduced competition for quality properties ✅ Mortgage stress remaining manageable across the sector ✅ Regional price growth in northern areas with strong rental fundamentals

Areas Requiring Caution: ⚠️ London market facing dual pressures of falling prices and weak rental growth ⚠️ Mortgage approval volumes at two-year lows ⚠️ Regional performance variations requiring local market knowledge

�� What This Means for Property Investors

February 2026 marked not uncertainty, but selective opportunity for those seeking reliable monthly income from property.

Opportunities: ✅ North East showing 8.0% rental growth against 4.6% price growth - compelling for monthly income ✅ Supply constraints with landlords exiting whilst demand remains strong ✅ Probable interest rate cuts improving future borrowing conditions ✅ Industry data showing contained mortgage stress levels

Strategic Considerations: ⚠️ Regional knowledge more critical than ever - national averages mask local realities ⚠️ Focus on areas where rental growth exceeds price growth for cash flow ⚠️ Patient capital advantage whilst others hesitate on mortgage availability

�� Looking Ahead: March & Beyond

The rental market continues delivering consistent monthly income whilst many traditional landlords step aside. For professional investors focused on long-term rental income strategies, February's fundamentals looked increasingly attractive.

Key factors to monitor:

Bank of England decision path toward neutral rates
Regional rental market performance variations
Landlord supply dynamics in target areas
Government housing policy developments

The message for committed property investors remains clear: fundamentals - rental demand exceeding supply, stable prices, and improving finance costs - align for those who understand the regionalised landscape.

Sources: Office for National Statistics, Bank of England, UK Finance industry data. All statistics from official government sources unless otherwise indicated.

Property Market Update: January 2026

Sat, 14 Feb 2026 06:39:35 GMT

Your monthly insight into the UK property landscape

�� Key Headlines This Month

House prices rise 2.5% annually to £271,000 (November 2025 data)
Bank of England holds base rate at 3.75% - but vote was closer than expected
Property market shows early recovery signs after challenging autumn period
North East leads price growth while London continues to struggle

�� House Prices: Steady Growth Returns

The UK property market delivered encouraging news in January, with government figures showing house prices increased by 2.5% annually to reach an average of £271,000 by November 2025.

This marks a notable improvement from October's 1.9% growth rate, suggesting the market is finding its feet after months of uncertainty.

Regional Performance Spotlight

Strongest Growth:

North East: 6.8% annual increase
Scotland: 4.5% annual growth
Northern Ireland: 7.1% quarterly rise

Challenging Areas:

London: -1.2% annual decline (improving from -2.6% in October)
Wales: 0.7% modest growth
England average: 2.2% steady increase

The regional divide remains clear, with northern areas continuing to outperform the capital and southern regions where affordability pressures persist.

�� Interest Rates: Holding Pattern with Hidden Optimism

February brought mixed signals from the Bank of England. The base rate remained at 3.75% as expected, but the voting split revealed underlying optimism for borrowers.

The surprise: Four out of nine committee members voted for a cut to 3.5%, suggesting future reductions remain likely.

What This Means for Mortgages

Mortgage rates have edged up slightly in early February, with several major lenders including Nationwide, Santander, and Virgin Money raising rates by up to 0.19 percentage points. However, rates remain at their lowest levels since 2022 following the recent price war.

Current Best Rates:

2-year fixed: From 3.55% (60% LTV)
5-year fixed: From 3.73% (60% LTV)
Average rates still significantly lower than early 2025

�� Market Sentiment: Green Shoots Emerge

Industry professionals are cautiously optimistic about 2026. The Royal Institution of Chartered Surveyors (RICS) reported the least negative readings in several months during January.

Key Indicators Improving:

Buyer Activity:

New buyer enquiries: -15% (improved from -21% in December)
Agreed sales: -9% (best reading since June 2025)

Future Expectations:

35% of surveyors expect sales increases over the next 12 months
43% anticipate price rises over the coming year
Strongest optimism since December 2024

�� Rental Market: Cooling But Still Pressured

Private rents continue rising but at a slower pace. Average UK monthly rents reached £1,368 in December 2025, representing a 4.0% annual increase - down from 4.4% the previous month.

Regional Rental Highlights:

Highest Growth Areas:

North East: 7.9% annual increase
Wales: 5.7% growth
Northern Ireland: 5.7% rise

Moderating Growth:

London: Just 2.1% increase (down from 2.8%)
Scotland: 2.8% growth
England average: 3.9% rise

�� What This Means for Property Investors

January's data suggests the market may be entering a gradual recovery phase after the challenging autumn period. However, several factors warrant close attention:

Opportunities:

✅ Regional markets like the North East showing strong fundamentals
✅ Mortgage rates remain competitive despite recent increases
✅ Market confidence slowly returning among professionals
✅ Buyer choice at highest levels in 18 years

Considerations:

⚠️ Economic uncertainty around inflation and interest rate trajectory
⚠️ Regional variations remain significant
⚠️ Affordability pressures particularly in southern markets
⚠️ Political factors may impact future market conditions

�� Looking Ahead: February & Beyond

The property market appears to be finding its footing after the autumn slowdown. While challenges remain, particularly around affordability and economic uncertainty, the underlying fundamentals suggest a gradual strengthening through 2026.

Key factors to watch:

Bank of England decisions on interest rates
Mortgage lender competition and pricing
Regional market performance variations
Economic data and inflation trends

For property professionals and investors, the message remains clear: cautious optimism with careful attention to local market conditions and funding costs.

December 2025 Property Market Update

Fri, 09 Jan 2026 10:45:44 GMT

Not going to lie, this is a stat-heavy one - and there's a reason for that.

Every property decision you make in 2026 needs to be backed by what's actually happening in the market right now. Not last year's headlines. Not estate agent optimism. Real numbers from real transactions.

Can you see what's emerging? The data tells a story most people are missing.

While everyone's debating whether prices will crash or soar, the smart money is watching three critical shifts happening simultaneously. London sales hit a 20-year low. Rental growth dropped from 4.6% to 2% in twelve months. Yet mortgage rates are falling faster than predicted.

Here's what the numbers actually mean for your next move...

Market Overview: Steady Foundations Despite Headline
The North East continues to outperform the national picture. Whilst UK house prices fell by 0.1% in October , our region recorded the strongest monthly increase at 1.3% and the highest annual growth at 5% . The average property price in the North East now stands at £163,000 – significantly below the national average of £270,000, creating substantial opportunities for investors.

Recent Halifax data showed house prices dropped 0.6% month-on-month in December , bringing the average UK property price to its lowest level since June 2025. However, this typical Christmas season slowdown masks the underlying resilience of regional markets like ours.

Interest Rates: The Turning Point We've Been Waiting For

December brought the news many investors have been anticipating. The Bank of England cut the base rate to 3.75% , marking the sixth reduction since August 2024. More importantly, the Bank signalled that "Bank Rate is likely to continue on a gradual downward path" if disinflation continues.

This is significant for property investors. Lower rates reduce mortgage costs and make property investment more attractive relative to savings accounts. The Bank noted that inflation has fallen to 3.2% in November from 3.6% in October , providing scope for further cuts in 2026.

Regional Spotlight: Why the North East Continues to Deliver

Price Performance:

North East properties averaged £163,000 in October
Annual growth of 5% – the highest in England
Monthly growth of 1.3% – again, leading the nation
Semi-detached properties up 3.8% annually
Terraced houses up 2.4% annually

Rental Market Dynamics: The combination of affordable purchase prices and strong rental demand creates compelling yields. With mortgage rates already reducing following the latest base rate cut , the arithmetic becomes even more attractive for buy-to-let investors.

The London Contrast: Capital Struggles

Whilst the North East thrives, London experienced the biggest monthly price fall at -1.9% and the lowest annual inflation at -2.4% . Average London prices now stand at £547,000 – more than three times our regional average. For yield-focused investors, the numbers speak clearly about where opportunity lies.

Transaction Activity: Steady Despite Uncertainty

UK transactions in October totalled 98,000 on a seasonally adjusted basis , just 2.1% lower than the previous year. More encouraging, transactions increased 1.8% between September and October, suggesting renewed confidence following the Autumn Budget clarity.

The Bank of England noted that mortgage approvals decreased to 65,000 in October , but this reflects broader economic caution rather than fundamental market weakness.

From the UK House Price Index (October 2025 data, published December 2025):

North East:

Average price: £163,000 (October 2025)
Annual change: +5.0% (highest in England)
Monthly change: +1.3% (highest in England)
20 repossession sales in August 2025 (second highest after Yorkshire)

Yorkshire and the Humber:

Average price: £206,000 (October 2025)
Annual change: +3.1%
Monthly change: -0.2%
21 repossession sales in August 2025 (highest volume)

UK Labour Market Data from Government Sources (December 2025)

From Bank of England Monetary Policy Committee Minutes (December 2025):

UK unemployment rate rose to 5.1% in the three months to October 2025
Redundancy rate rose to 5.3 per 1,000 employees - highest since 2013 outside Covid
Average Weekly Earnings growth declined to 4.7% in three months to October
Private sector regular pay growth fell to 3.9%
Employment growth remained subdued according to HMRC payrolls data

Our Thought

Looking at these numbers, there's something most people are completely missing. Everyone's watching the obvious stuff - falling prices here, rising rates there. But the real opportunity is in the disconnect between what the headlines say and what's actually happening locally. The North East posts 5% growth whilst national uncertainty fills the news. Here's what we're seeing: people who wait for "perfect clarity" never move. Those who focus on what's really happening in our region over scary headlines do well. The numbers don't lie. Neither do the returns we're seeing. Property investment isn't about predicting the future perfectly or getting spooked by headlines. It's about focusing on facts, not fiction - making decisions based on what makes sense today, whilst others worry about tomorrow's what-ifs.

his blog post was written by Chris and Anthony Hunter, founders of Chant Properties Ltd. The information provided is based on market data available as of December 2025 and represents our current understanding of the property market. Always seek professional advice before making invest ment decisions.

November 2025 - Budget Disappointment and Renter Reform Thoughts

Fri, 05 Dec 2025 10:40:39 GMT

Renters Reform is locked in – so what now? November brings the reality of these changes into sharper focus, alongside the usual Budget considerations. If you're a landlord, especially one who's not doing this full-time, it's time to get to grips with what it all means. Is the government making life harder for landlords? Maybe. But the real question is: how do you adapt and thrive in this new landscape?

Budget 2025: Key Property Updates from Government Sources

1. High Value Council Tax Surcharge

The government is introducing a new High Value Council Tax Surcharge for residential properties worth over £2 million in England, starting April 2028. The charges will be:

£2,500 per year for properties worth £2-5 million
£7,500 per year for properties worth over £5 million

This affects fewer than 1% of properties and will be paid by property owners rather than occupiers

2. Property Income Tax Changes

From April 2027, the government will create separate tax rates for property income :

Property basic rate: 22%
Property higher rate: 42%
Property additional rate: 47%

This applies to England, Wales and Northern Ireland. The government will engage with devolved governments of Scotland and Wales regarding setting their own property income rates

3. Business Rates Reform

The government is introducing permanently lower business rates for retail, hospitality and leisure properties with rateable values below £500,000:

Small business RHL multiplier: 38.2p (down from 49.9p)
Standard RHL multiplier: 43p (down from 55.5p)

This is funded by a higher rate for properties worth £500,000+, set at 50.8p

4. Housing Investment

The government is committing to deliver 1.5 million homes in England this Parliament, backed by:

£39 billion Social and Affordable Homes Programme over 10 years
£16 billion National Housing Bank
At least three new towns with 10,000+ homes each

The National Housing Bank will be headquartered in Leeds as part of a financial services cluster

5. Inheritance Tax Changes

The government will maintain the nil-rate band and residence nil-rate band at current levels for a further year until April 2031. The £1 million allowance for 100% rate of agricultural and business property relief will also be transferable between spouses and civil partners

6. Planning Reforms

The government is implementing the most ambitious planning reforms in a generation through the Planning and Infrastructure Bill, which aims to:

Speed up major infrastructure delivery by up to 12 months
Enable "default yes" to development around train stations
Add 170,000 homes through reformed planning rules

The OBR estimates these reforms will add £6.8 billion to the economy

Renters' Rights Act

Phase 1: 1 May 2026

The core reforms will take effect, including:

Abolition of Section 21 'No Fault' Evictions

Landlords can no longer evict tenants without a specific reason
End to the practice that has pushed thousands into homelessness
All assured tenancies become periodic (rolling contracts)

New Tenancy Structure

All new and existing tenancies become Assured Periodic Tenancies
Tenants can stay as long as they want (until valid grounds for eviction)
Tenants can end tenancy with two months' notice

Reformed Possession Grounds

Landlords can only evict with valid reasons such as:
Selling the property
Moving in themselves or close family member
Tenant rent arrears or anti-social behaviour
Extended grounds for serious persistent rent arrears and anti-social behaviour

Rent Controls

Rent increases limited to once per year
Landlords must give at least 2 months' notice of increases
Tenants can challenge excessive above-market rents designed to force them out

Ban on Rental Bidding and Advance Payments

Illegal to ask for or accept offers above advertised rent
Cannot request more than 1 month's rent in advance

Anti-Discrimination Measures

Illegal to discriminate against tenants with children or on benefits
Must base decisions only on financial suitability

Pet Rights

Tenants have right to request pets
Landlords must consider requests and cannot unreasonably refuse
Initial 28-day consideration period for landlords

Strengthened Enforcement

Enhanced local council powers and civil penalties
Rent repayment orders extended to superior landlords
Maximum penalties doubled for repeat offenders

Phase 2: From Late 2026

Private Rented Sector Database

Mandatory registration for all PRS landlords from late 2026
Annual fee required (amount to be confirmed)
Must provide:
Landlord contact details
Property details (address, type, bedrooms, occupancy)
Safety information (Gas, Electric, Energy Performance Certificates)

Private Rented Sector Landlord Ombudsman

Mandatory scheme for all landlords (expected 2028)
Binding dispute resolution service
Powers to compel landlords to:
Issue apologies
Provide information
Take remedial action
Pay compensation

Phase 3: Dates TBC (Subject to Consultation)

Decent Homes Standard

Applied to PRS for first time
Properties must be safe, well-maintained and free from serious hazards
Consultation proposed implementation for either 2035 or 2037

Awaab's Law Extension

Clear legal timeframes for landlords to address serious hazards
Particularly focuses on damp and mould issues
Empowers tenants to challenge dangerous conditions

Energy Efficiency Standards

Consultation on requiring all PRS properties to meet EPC C or equivalent by 2030

November Newsletter - Budget Disappointment & Renter Reform Thoughts

Well, the UK budget arrived, and... it was a bit of a letdown, wasn't it? Not much in there to really grab your attention. It feels like the government's nudging everyone to get their money working harder through investments, rather than letting it sit in a bank.

And that's a point we've been making for ages! While everyone's been waiting and watching, those who've already invested with us have been reaping the rewards.

On the Renters Reform Bill, we reckon about 90% of it is just good, common sense – stuff we're already doing as standard (and often going above and beyond). As for the other 10%, we're waiting for the full picture to emerge before we make a judgement.

The bottom line? If you're in property to make money, it's a business. Treat it that way, and you'll see the difference.

This blog post was written by Chris and Anthony Hunter, founders of Chant Properties Ltd. The information provided is based on market data available as of November 2025 and represents our current understanding of the property market. Always seek professional advice before making investment decisions.

Please fact-check all information before publishing, particularly the statistics, dates, and specific details about policy changes.

Property Market Pulse: October 2025 - The Final Nail in the Coffin for Amateur Landlords, While Cash Investors Thrive

Fri, 07 Nov 2025 10:36:17 GMT

Amateur landlord ing is officially dead.

But property profits are still very much alive.

October 2025 delivers what many industry insiders are calling the final nail in the coffin for hobby landlords, as regulatory changes complete the transformation of property management into a strictly professional business requiring specialist expertise.

While part-time landlords struggle with the Renters Rights Act implementation and Awaab's Law compliance deadlines, cash investors continue to enjoy strong returns without the mounting complications. Even Bristol Council—with its substantial resources—admits it can't meet the October 27th standards, highlighting the impossible burden now facing small operators.

The pension age increase to 57 for those born between 1971-1973 further accelerates this shift, eliminating a crucial funding source for many landlords while creating perfect timing for cash investors to partner with established property businesses.

Renters Rights Act: Now starts the fun

The Renters' Rights Act has received Royal Assent, bringing the biggest changes to the rental sector in a generation.

While it's business as usual for now, landlords should prepare for major reforms coming within the next six months:

• Abolition of Section 21 "no-fault" evictions

• All tenancies becoming periodic by default

• Mandatory written agreements

• Restrictions on advance rent payments

New enforcement powers will activate within two months, giving local authorities the ability to issue civil penalties up to £40,000 and process rent repayment orders for up to two years.

Later implementations will include a mandatory landlord database, ombudsman registration, and extended Decent Homes Standards.

The government promises "sufficient notice" before implementation, but landlords should start preparing now by ensuring all documentation is current and properties meet compliance standards.

Sources

https://www.nrla.org.uk/news/renters-rights-bill-royal-assent-what-happens-now

Bristol Council admits it may fail to comply with Awaab's Law when it comes into force on 27th October 2025.

Key Points:

The irony: Bristol Council has been highly critical of private landlords and campaigned for rent controls, yet now admits it can't meet the same standards it expects from others
The problem: Only one-third of council homes have been surveyed, IT systems need updating, and there's a major repair backlog
The scale: Over 3,000 council homes suffer from damp and mould, with 300 having repairs delayed over a year
The blame game: The current Green Party administration blames the previous Labour council for "historical underinvestment"

Awaab's Law requires social housing landlords to fix emergency hazards and dangerous damp/mould within set timeframes - named after two-year-old Awaab Ishak who died from prolonged mould exposure in his social housing.

If you need any help with this, please contact https://www.envirovent.com/ for free advice and or free survey

Sources

https://www.landlordtoday.co.uk/breaking-news/2025/09/controversial-council-admits-it-might-fail-awaabs-law-next-month/

North East

According to the Office for National Statistics, the average house price in the North East was about £164,000 in August 2025, with an annual increase of 6.6% compared to a year earlier.
The region is therefore among the strongest performers in England in terms of price growth, benefiting from more affordability and less drag from the high-end market.
From the broader Hometrack Data Systems Ltd UK index: Northern/affordable markets are showing price inflation of ~2-3% or more, while most of the South shows under 1%.
Implication : For buyers or sellers in the North East, this suggests relative strength — good value compared to the national average, rising prices, and likely stronger buyer activity.

Yorkshire and the Humber

For this region, the ONS data show an average house price of about £207,000 in August 2025, up from ~£202,000 the previous year — an annual rise of roughly 3.0% .
The Hometrack index indicates that while growth in northern/affordable markets is stronger than the South, the headline growth rate for the region is more moderate (in the “2-3%” ballpark) rather than the 5-6% seen in some pockets.
Implication : Yorkshire & the Humber remains affordable relative to many southern regions, but growth is more modest than in the top‐performing northern sub‐markets. For sellers this means realistic pricing is important; for buyers it remains an attractive region with less risk of overheating.

Sources

https://www.ons.gov.uk/

https://www.hometrack.com/newsroom/uk-house-price-index/

Key Change: From April 2028, the Normal Minimum Pension Age (NMPA) will increase from 55 to 57 years old.

Who's Most Affected:

People born between 6 April 1971 and 5 April 1973 could lose up to two years of pension access
Those born before 6 April 1971 are unaffected
Those born after 5 April 1973 will only access pensions from age 57

Main Impact: If you were planning to retire, reduce working hours, or pay off your mortgage at 55, you might now need to wait until 57. This could mean postponing life plans, taking on debt, or missing opportunities.

Important Notes:

Some people may have "protected pension age" that could exempt them
The rules are complex and depend on pension scheme structure and transfers
People in the affected birth range can only access funds already in drawdown once the NMPA increases
Professional advice is recommended to understand your specific situation

Sources

https://www.robson-laidler.co.uk/the-normal-minimum-pension-age-is-increasing-could-this-affect-you/

Our Thoughts

The property landscape is shifting fast, and smart investors are already adapting.

The compliance burden is getting heavier. When even Bristol Council admits it can't meet Awaab's Law requirements for its own properties, you know the standards are demanding. Private landlords face the same obligations but with far fewer resources than local authorities.

The pension rule change is forcing decisions. That two-year delay from 55 to 57 might not sound significant, but for landlords banking on pension access to fund property improvements or clear mortgages, it's disrupting carefully laid plans.

The consolidation is beginning. Smaller landlords are selling to more professional operators who can handle the regulatory complexity. Properties are changing hands, but they're not disappearing from the rental market—they're just moving to landlords better equipped to manage them properly.

If you're feeling the pressure of these changes, remember: exiting doesn't mean losing. With current property values and our proven acquisition process, you can unlock your equity without the stress of compliance deadlines or pension delays.

This blog post was written by Chris and Anthony Hunter, founders of Chant Properties Ltd. The information provided is based on market data available as of October 2025 and represents our current understanding of the property market. Always seek professional advice before making investment decisions.

Please fact-check all information before publishing, particularly the statistics, dates, and specific details about policy changes.

September 2025 property market update and the end of the 3rd quarter

Fri, 03 Oct 2025 10:32:35 GMT

September seemed less eventful than previous months. This could be because people are now waiting for a budget in late November and what surprise could be coming everyone's way.

What Zoopla thinks

UK house price inflation is about 1.4 % year-on-year to August 2025.

High-value properties are facing the strongest headwinds:

• Buyer demand for £1 million+ homes is down ~11 % year-over-year.

• New listings above £500,000 are also down (9 % fewer at £1m+, 7 % fewer at £500k+).

Some parts of southern England are already seeing year-on-year price declines (e.g. Bournemouth, Exeter, Central London) due to increased supply and changing tax burdens for second homes.

Zoopla notes that moving home typically takes 6-7 months from offer to completion, so decisions made now may be affected by future tax changes.

Zoopla House Price Index: September 2025

Home Track report

Annual house price inflation is 1.4 % to August 2025.

Demand for higher-value homes is weakening.

Transactions for homes priced at £1 million+ are down ~11 %.
There are fewer new listings in the >£500,000 range.

Stronger price growth in more affordable areas.

In cheaper markets, inflation is up to +2.8 %.

Mortgage rates are relatively stable (4 %–5 %).

This stability supports demand, but rates are unlikely to fall soon.

Widening geographic divergence.

The “north/south divide” is growing: southern England is weaker, while many other UK regions are stronger.

Overall market activity is expected to plateau.

But Hometrack cautions that s erious bu yers and sellers shouldn’t delay decisions.
Hometrack Report

ONS

Overall Growth : UK house prices have increased by approximately 2.7% year-on-year as of July 2025, with regional variations: England saw a 2.7% rise, Wales 2.0%, and Scotland 3.3% Office for National Statistics .

Foreign Investment in Buy-to-Let : Despite recent tax increases and regulatory changes targeting landlords, foreign investment in UK buy-to-let properties is on the rise. Investors are attracted by the country's strong legal framework, clear property ownership rules, and attractive rental yields—around 10% in some regions The Times .

Forecast Adjustments : Knight Frank revised its 2025 forecast to a 1% increase, down from 3.5% in May, citing high supply and speculative tax concerns Knight Frank UK .

You'll notice a common thread running through these reports. We've highlighted similar viewpoints from different sources to show you the consensus: most companies are thinking along the same lines.

Our Final Thoughts: Navigating Uncertainty in the UK Property Market

This month, all eyes are on two big unknowns impacting the UK property landscape: the upcoming budget at the end of November and the ever-looming Renters Reform. It feels like everyone's holding their breath, wondering what these changes will mean for their investments.

We understand the hesitation. Should you buy? Should you wait? These are valid questions. But at Chant Properties, we've always viewed property as a long-term game. Rules and regulations will inevitably change, but our core philosophy remains the same: if the deal is right, we're in.

This year has been a rollercoaster of predictions. Remember the forecasts of sky-high prices and massive growth? As you've likely seen, many companies (some mentioned in this very newsletter!) are now readjusting their expectations. House price growth has slowed, and rents are starting to slow up, reflecting the ongoing push and pull in the market.

The key takeaway? Don't let short-term uncertainty paralyse you. Property investment requires a long-term perspective. We'll adapt to the changing rules, continue to seek out solid opportunities, and remain committed to delivering value for our investors. That's the Chant Properties promise.

This blog post was written by Chris and Anthony Hunter, founders of Chant Properties Ltd. The information provided is based on market data available as of September 2025 and represents our current understanding of the property market. Always seek professional advice before making investment decisions.

Please fact-check all information before publishing, particularly the statistics, dates, and specific details about policy changes.

Property Market Update August 2025: Interest Rate Cuts and Tax Proposals Shake Up the Landscape

Fri, 05 Sep 2025 10:26:53 GMT

Most landlords are holding their breath.

The property market is shifting beneath our feet.

With interest rates falling and new tax proposals looming, August 2025 brings both opportunities and challenges for property investors across the UK.

Interest Rates Finally Drop

The Bank of England has cut the Bank Rate to 4.00%, down from 4.25%. This marks the first reduction since the hiking cycle began in late 2021.

But here's the interesting part...

The decision wasn't straightforward. The Monetary Policy Committee was deeply divided, requiring a rare two-round vote. The final tally showed 5 members in favour of the cut, with 4 preferring no change. One member had initially pushed for a larger 0.50 percentage point reduction.

This split decision suggests uncertainty about the economic outlook, even among the experts.

What does this mean for property investors?

Lower interest rates typically reduce mortgage costs, potentially improving cash flow for leveraged property investments. For our investors at Chant Properties, this could mean better returns on future acquisitions.

Affordability Improves for First-Time Buyers

There's good news on the affordability front.

House prices are now 5.75 times the average income – the lowest level in over a decade. This improved affordability has helped support a rebound in the market.

For property investors, this creates an interesting dynamic:

More first-time buyers are entering the market
Potential for capital appreciation as demand increases
Opportunity to acquire properties in areas with strong growth potential

Landlord Income Insights

Did you know only 5% of landlords earn a gross income over £50,000?

This statistic highlights an important reality: most landlords aren't the wealthy property tycoons often portrayed in the media. The majority are everyday people supplementing their income through property investment.

At Chant Properties, we've always focused on creating sustainable returns for our investors, regardless of market conditions.

Political Drama Affects the Property Market

On 7 August 2025, Rushanara Ali resigned as Minister for Homelessness following controversy over her own property dealings.

Reports revealed she had evicted four tenants from a property she owned and, after failing to sell it, re-let it for approximately £700 more per month – increasing the rent from around £3,300 to £4,000.

The irony wasn't lost on landlords across the country.

This situation highlights the complex relationship between politics and property, and the challenges of balancing tenant protection with landlord rights.

Concerning Tax Proposals for Landlords

The most worrying development for property investors comes in the form of potential tax changes:

National Insurance on Rental Income

Officials are considering applying National Insurance contributions to rental income – essentially a new tax on landlords. This move aims to plug a £40 billion fiscal gap and could raise approximately £2 billion.

Capital Gains Tax on High-Value Home Sales

There's also discussion about potentially taxing home sales over £500,000, possibly replacing stamp duty and council tax with national or local property taxes.

These proposals have understandably stirred up anger among UK landlords. Many are already dealing with increased regulation and costs.

Companies House Identity Verification

From 18 November 2025, Companies House will implement mandatory identity verification:

New directors will need to verify their identity to incorporate a company or join an existing one
Existing directors must confirm identity verification when filing their next annual confirmation statement
Existing PSCs (People with Significant Control) will need to verify their identity within 12 months of the 18 November commencement date

This change aims to increase transparency and reduce fraud in the UK business environment.

Our Take on the Current Situation

The property market feels like it's in a holding pattern.

Everyone seems to be waiting for the Renters Rights Reform to come into effect before making major decisions. The budget proposals for early November have created additional uncertainty.

At Chant Properties, we're monitoring these developments closely. Our approach remains focused on:

Identifying value-add opportunities in the North East
Maintaining strong returns for our investors
Adapting our strategy to navigate regulatory changes

Despite the challenges, we continue to see strong potential in the Northern property market, particularly in Newcastle and surrounding areas.

What This Means for Investors

If you're currently investing in property or considering it, here's what you should keep in mind:

The interest rate cut provides some relief for mortgage holders
Potential tax changes could impact returns – diversification remains important
Improved affordability may create opportunities in certain market segments
Regulatory changes require staying informed and adaptable

Looking Forward

The coming months will be crucial for property investors. The November budget will likely provide clarity on the proposed tax changes, while the implementation of the Renters Rights Reform will reshape the landlord-tenant relationship.

At Chant Properties, we're here to help you navigate these changes. Our experience and straight-talking approach mean you'll always get honest advice about the market and investment opportunities.

Want to discuss how these changes might affect your property investment strategy? Get in touch for a friendly chat.

This blog post was written by Chris and Anthony Hunter, founders of Chant Properties Ltd. The information provided is based on market data available as of August 2025 and represents our current understanding of the property market. Always seek professional advice before making investment decisions.

Sources:

Bank of England

The Guardian

Savills

GOV.UK

Please fact-check all information before publishing, particularly the statistics, dates, and specific details about policy changes.

UK Property Market Update: July 2025

Fri, 01 Aug 2025 10:14:05 GMT

The market resets as prices dip, supply rises, and reform looms

The property market is finally catching its breath.

After years of volatility driven by inflation, interest rate hikes, and pandemic aftershocks, we're now seeing a more stable—though still competitive—landscape shaped by falling prices, improved affordability, and active policy debate.

Here's what's happening across the UK housing market in July 2025:

�� Asking Prices: A Historic July Dip

This month, Rightmove reported that average asking prices fell by 1.2% to £373,709 , marking the steepest July decline in over two decades . Inner London saw the sharpest regional fall at –2.1% , followed by the South East ( Rightmove , The Guardian ).

Despite this, buyer activity remained robust , with sales agreed up 5% year-on-year , showing that well-priced homes are still moving in today’s market.

�� Regional Overview

North East England

Annual house price inflation remained the strongest in North East England, at +6.3% to May 2025 — far above the national average Alastair Saville+6Office for National Statistics+6GOV.UK+6 .
Asking prices rose by 1.2% in July, with average values around £196,844—one of the few regions showing resilience amid broader market softness. MoneyWeek+2Forbes+2MoneyWeek+2 .
Strong rent inflation, at 9.7% year-on-year (June 2025), highlights continued demand for rental housing and supports investor interest Zoopla+3Office for National Statistics+3AInvest+3 .
Property sales in hotspots like Newcastle and Sunderland continue to lead regional growth, with prices rising between 2%–5% annually in more affordable areas like Sunderland (£119K average) Office for National Statistics+13Zoopla+13AInvest+13 .

Yorkshire & the Humber

From the UK government data, Yorkshire posted the highest monthly house price increase in May (+2.4%), with year-on-year growth of 5.1% The Times+3AInvest+3HomeOwners Alliance+3 .
North Yorkshire recorded average house prices of around £204,000 by May 2025, up from £194,000 a year earlier. Semi-detached homes rose the fastest (+6.4%), Office for National Statistics .
Rental markets here remain more subdued compared to the North East: rental inflation in Yorkshire & the Humber averaged just 3.5% to June 2025 Savills+15Office for National Statistics+15guildproperty.co.uk+15 .

��️ Government Data: Prices and Transactions

According to the ONS , the average UK house price rose by 3.9% in the 12 months to May , reaching £269,000 . Meanwhile, rents climbed 6.7% , driven by tight supply—particularly in the North East , which saw a staggering 9.7% rent increase ( ONS ).

The Land Registry confirmed these trends, showing an average sale price of £268,652 in May, reflecting 1.1% annual growth , with newer data due in mid-September ( Land Registry ).

Transaction activity also rebounded: HMRC reported 81,470 completed residential transactions in May , up 25% from April , but still 12% below May 2024 levels . Much of this is attributed to buyers rushing to beat stamp duty threshold changes in April ( HMRC ).

�� Mortgage Rates & Lending

Affordability is gradually improving. The average two-year fixed mortgage rate fell to 4.53% , down from over 5.3% a year earlier. This equates to a monthly saving of around £150 for the average borrower ( The Guardian ).

The Bank of England’s easing of affordability stress tests is also expected to unlock lending for an estimated 36,000 extra first-time buyers annually , making it easier for households with good credit but limited deposit capacity to enter the market ( The Guardian ).

�� New Builds & Rental Trends

In the new-build sector, buyer demand remained strong in areas like Southampton (35% sold subject to contract) , Sheffield , and Bristol , while weaker interest was noted in Swansea and Liverpool ( WealthWise ).

The rental market is bracing for transformation. The anticipated Renters’ Rights Bill , likely to pass in early 2026, would ban Section 21 evictions, cap rent hikes, and introduce an independent ombudsman. Some landlords warn this could restrict rental supply further and increase upward pressure on rents ( The Week ).

⚖️ Policy Pressure: Stamp Duty & Downsizer Relief

Calls for stamp duty reform are growing louder. According to Rightmove, only 40% of homes now fall under the SDLT exemption threshold , down from 53% in 2017. The current thresholds are seen as outdated and a barrier to mobility ( FT ).

There’s also a push to offer stamp duty relief for downsizers , with the potential to free up 2.5 million homes over five years , improving availability for younger families and first-time buyers ( Country Life ).

�� What’s Next? Forecasts for 2025

Rightmove cut its full-year house price forecast from +4% to +2% , citing competitive supply and affordability caps ( Rightmove ).
Zoopla expects price growth to hold near 2.5% , focused mostly in affordable northern markets.
Savills and others have downgraded 2025 expectations to just +1% , with recovery forecasts shifted toward 2026–2027 ( The Times ).

✅ Summary: A Market in Reset Mode

The UK property market in July 2025 shows clear signs of recalibration:

Prices are cooling, especially in the South, while demand remains resilient
Affordability is improving, but buyers are increasingly price-sensitive
Stock levels are rising, giving buyers more leverage
Policy changes and lending reforms are reshaping the market

For buyers and investors, this is a moment of opportunity—if you're prepared. For sellers, it's more important than ever to price realistically and understand local dynamics.

The property market is finding its new balance after years of extremes. Those who understand these shifting dynamics will be best positioned to make smart decisions in the months ahead.

Note: All facts and statistics in this report are accurate as of the publication date in July 2025. Property market conditions change frequently, so please verify the latest data before making any investment decisions.

UK Property Market Update: What Happened in June 2025 and What It Means for Investors

Sat, 05 Jul 2025 16:07:41 GMT

House prices stalled. Buyer demand picked up. Supply increased.

The UK property market is at a turning point this summer, with mixed signals creating both challenges and opportunities for investors and homeowners alike.

Let's break down what's happening and why it matters...

The Big Picture: June 2025 Market Snapshot

House Price Trends

The latest figures show a market that's cooling after last year's growth:

Halifax index : 0.0% monthly change with the average price at £296,665 (2.5% higher year-on-year, down from 2.6% in May)
Nationwide HPI : A 0.8% month-on-month decline and just 2.1% annual growth (down from 3.5% in May), with average prices around £271,619
Zoopla : Modest 1.4% annual growth as of May (published in June), though sales activity increased with 14% more homes on the market
Rightmove : A rare June decline in asking prices, down 0.3% to £378,420

The numbers tell a clear story - price growth is slowing across all major indices.

Regional Variations

Not all areas are feeling the same effects:

Northern England saw around 3.1% annual house price growth
Southern England managed about 2.2%
Northern Ireland led the way with impressive 9.7% growth for Q2 2025

The North East continues to outperform other English regions with 6.3% year-on-year growth and a 2.2% monthly increase in May. Newcastle upon Tyne stands out with prices up 13.4% compared to last year.

What's Driving These Changes?

Several factors are influencing the current market:

Stamp duty increases in England (April 2025) dampened demand in spring
Rising supply with 11% more properties on the market year-on-year
Rental market pressure continues with UK average rent reaching £1,339 in May (7% annual growth)
Covid-era purchases being re-listed, especially in rural and coastal areas

What This Means For You

For Buyers

The market is shifting in your favour. With more properties available and price growth slowing, you have more negotiating power than at any point in the last three years.

First-time buyers in particular should take note - this could be the window of opportunity many have been waiting for.

For Sellers

Be realistic about pricing. The days of ambitious asking prices and quick sales are fading. Properties need to be competitively priced to attract attention.

Rightmove data shows homes receiving an enquiry on day one were 22% more likely to sell than those delayed more than two weeks.

For Investors

The rental market remains strong despite the sales slowdown. With average rents rising faster than mortgage costs in many areas, buy-to-let still offers attractive yields for those who can navigate the regulatory landscape.

North East England presents particularly interesting opportunities with rental growth of 9.7% - well above the national average.

Looking Ahead: Market Outlook

The consensus among experts points to a subdued 2025:

Savills lowered its full-year growth outlook from 4% to around 1%
Rightmove adjusted from 4% to approximately 2%
Most forecasts suggest a modest rebound (3-4%) in 2026-29

The RICS survey shows a market steadying rather than booming this summer, with 47% of agents foreseeing rent increases and most respondents expecting price growth to return within 12 months.

The Bottom Line

June 2025 marks a turning point for the UK property market. After years of exceptional growth driven by pandemic factors and low interest rates, we're seeing a return to more normal conditions.

For smart investors, this isn't bad news - it's simply a different market requiring different strategies. The fundamentals remain strong, particularly in the rental sector and in regions like the North East where growth continues to outpace the national average.

What's your next move in this changing market? Are you looking to buy, sell, or hold? Let us know in the comments.

Remember to check the latest data before making any property decisions. This analysis is based on figures available as of June 2025.