Flatlining House Prices Until Election? Why Buyers, Sellers & Investors Need a New Game-Plan
A Market Waiting for Lift-Off
According to recent forecasts from Savills, UK house price growth is expected to remain subdued until at least the next general election—if not longer. The combination of elevated interest rates, tax-reform uncertainty and more cautious buyer sentiment means many markets may be in “flat-line” mode rather than growth mode.
What This Means for Different Groups
First-time buyers may benefit from less upward price pressure, making negotiation easier and allowing more time to prepare.
Downsizers may face a less vibrant market and must be realistic about pricing and timing if they hope to move fluidly.
Investors should be alert: yield becomes more important than capital appreciation in a flat market, and tax shifts (including the possibility of NI on rental income) may impact returns.
Why the Forecast Is So Cautious
Savills points to weaker demand, higher mortgage costs and the tax-uncertainty cloud hanging over the market, including possible reforms such as a national property tax. All of this suggests price growth is unlikely to accelerate until clearer policy and rate signals emerge.
A New Game-Plan for a Slower Market
Rather than waiting for the market to “bounce”, buyers, sellers, and investors should adopt a proactive strategy. Buyers might lock in favourable fixed rates now, rather than hoping for rapid price falls. Sellers should focus on value, preparing to market smartly rather than expecting huge uplifts. For investors, re-examining portfolio yield, geography, and tax exposure becomes essential.
Make Your Move with Insight
At Altura Mortgage Finance, we work with clients who understand that slower markets can present great opportunity, not just frustration. If you’re buying, selling, or investing, it’s time to develop a game-plan that works in a flat or slow-growth environment. Contact us today to map yours out or check our insights to stay ahead.
