Spring bounce after a quiet 2025
The housing market is edging out of its subdued phase, with most commentators expecting low, positive price growth rather than further falls. After a year when many buyers and sellers sat on their hands, greater stability on inflation and interest rates is starting to restore confidence.
2026: a steadier market, not a rollercoaster
Forecasts for 2026 suggest a calmer, more predictable market, with house prices nudging higher instead of spiking up or down. For buyers and sellers alike, that means a more “normal” environment, where realistic pricing and good preparation are what make the difference.
First‐time buyers back in the driving seat
Lender competition is turning firmly in favour of first‐time buyers, with more products, lower rates than in 2025, and more flexible income multiples. This shift is helping would‐be homeowners who were squeezed out by high rates and limited choice last year to re‐enter the market with renewed confidence.
Small deposits, bigger possibilities
New high‐LTV products and strong ranges at 5–10% deposit are lowering the barrier to entry for buyers who don’t have large savings. Those who can push their deposit a little higher – sometimes with family help – are unlocking a wider choice of deals and noticeably better rates.
How families are helping the next generation onto the ladder
The so‐called Bank of Family is playing a growing role, with parents and grandparents increasingly using property wealth and equity release to boost deposits. This inter‐generational support is turning frustrating saving targets into realistic plans and helping more first‐time buyers move from “someday” to “this year”.
Podcast – Mortgages by Design
Listen to the latest episode of Mortgages By Design on our website, featuring more great insights and options for first-time buyers.
For friendly, professional advice on your next step:
Huntingdon & St Ives
60 High St, Huntingdon, PE29 3DN, 01480 414800 – [email protected]
Kimbolton
6 High St, Kimbolton, PE28 0HA, 01480 860400 – [email protected]
St Neots
32 Market Square, St Neots, PE19 2AF, 01480 406400 – [email protected]
Whether you are thinking of selling, buying, letting or simply want an up‐to‐date, no‐obligation view of your property’s value, Peter Lane & Partners are here to help you navigate the local market with confidence.
