WTF Is Happening With UK House Prices?

WTF Is Happening With UK House Prices?

UK house prices are doing something we’ve never seen before. Interest rates are falling fast, mortgage deals are getting cheaper, and yet prices in London and the South are falling while large parts of the North and Scotland are surging. This isn’t a crash and it isn’t a recovery. It’s a fracture — and most people don’t understand what’s actually driving it.

In this video, we break down why the UK housing market has split in two, why national averages are now meaningless, and why your postcode matters more than ever. While headlines talk about stability, the reality is that affordability has snapped. In the South, prices are simply too far detached from incomes. In the North, Scotland, and parts of Wales, the maths still works — and buyers are flooding in.

You’ll see how falling interest rates are failing to revive demand in expensive regions, why deposits have become the real barrier to homeownership, and how first-time buyers are being forced to relocate just to stand a chance. We explain why inherited wealth now matters more than earnings, why the average first-time buyer is older than ever, and how mortgage terms stretching into retirement have become normalised.

This breakdown also exposes the landlord exodus that’s quietly reshaping the market, why rental supply is collapsing even as rents keep rising, and how new tax rules, regulation, and energy requirements are pushing buy-to-let investors out for good. We examine why stamp duty changes are accelerating regional divergence, what lenders are really signalling through their behaviour, and why confidence — not interest rates — may now be the most important force in housing.

If you’re buying, selling, renting, or waiting on the sidelines, this video explains why the old rules no longer apply, what the most likely scenarios are over the next 12 to 24 months, and why the UK housing market isn’t crashing — it’s breaking apart.

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