As we move into 2026, the UK mortgage landscape is undergoing a meaningful shift. After several years of economic uncertainty, rising interest rates, and affordability challenges, this year brings early signs of stability and cautious improvement. Many homeowners and prospective buyers are wondering: Is now a good time to make a move? Will mortgage rates continue to fall? What should I expect if my fixed rate expires this year? This newsletter provides a clear overview of the trends shaping the mortgage and housing market in 2026, helping you make confident and informed decisions.
1. Interest Rates: A Turning Point After Years of Increases
2. House Prices: Gradual Growth with Regional Variation
3. Mortgage Lending Trends: Steady Activity with an Emphasis on Remortgaging
4. Affordability Conditions: Gradual Improvement but Still a Key Consideration
5. Remortgaging in 2026: Why Early Preparation Matters
6. Buy-to-Let Market: More Stability but Selective Opportunities
Final Thoughts:
The mortgage landscape in 2026 marks a welcome shift toward stability. Whether you are a first-time buyer, a homeowner approaching the end of a fixed-rate term, or an investor reviewing your strategy, this year offers valuable opportunities — provided you take a well-informed and proactive approach.