First-time buyer activity rose around 20% compared to 2024, with high loan-to-value lending reaching its highest level in over a decade.

Precise has increased the LTV on new build properties and those with Tier 4 adverse histories.

Wage growth of 4.7% is forecast for 2026, outpacing the projected 2.9% increase in house prices and continuing the trend of improving affordability.

Scotland claims seven of the ten most affordable UK towns, whilst eight of the ten least affordable towns are located in the South East of England.

Average homes in England now cost 7.7 times the median salary.

London rents have risen 37% over the past five years, reaching £995 per month in Q3 2025.

A fifth of would-be buyers are unaware of any support schemes, according to the latest Shawbrook research.

Almost a third of aspiring homeowners (29%) believe they will never be able to buy a property, according to new research from the Building Societies Association (BSA).

Only 13% of first-time buyers said they fully understand the homebuying process.

First-time buyer market share fell from 63.3% in January to 56.7% in August, a 10.4% drop.