46% of UK properties have been down valued since before Covid-19

46% of UK properties have been down valued since before Covid-19

Nearly half (46%) of buyers saw their prospective properties down valued by their mortgage lender, Bankrate UK research has found.

Buyers looking to purchase properties in Wales had the highest percentage of down valuations at 63%.
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Source: Property Wire



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January 2026 showed a market regaining momentum. Across much of the UK, sales agreed are running ahead of two years ago, led by the Midlands and East. Scotland and Wales are also strengthening. London remains mixed, and Northern Ireland softer. This is not a boom, but a steady, broad based rebuild driven by realistic pricing.

Over the past 25 years, UK house prices have risen significantly, quietly building wealth for homeowners along the way. While markets move in cycles, the long-term trend remains clear. For many households, their home has become one of the most consistent and powerful drivers of personal wealth.

Spacious and beautifully presented, this four double bedroom detached home offers modern family living in a pleasant non-estate location. Featuring an open-plan kitchen/diner, separate lounge and study, en suite to the main bedroom, and a double garage, all within a short walk from village amenities

At first glance, UK house prices rising tens of thousands of per cent since 1900 look absurd. But annualised over 126 years, growth averages around 4.5 to 5 per cent a year. It is not sudden surges but steady compounding that drives values higher, showing property rewards time in the market more than attempts to time it.