The latest 0.25% interest rate cut may look modest on paper, saving the average variable mortgage holder around £31 a month, but its real influence runs deeper. Property markets are powered by confidence, and with mortgage rates easing and lenders competing again, sentiment is shifting. That change in mood is starting to matter.

This data shows a clear north–south split in UK housing supply. Homes for sale are rising across London and the South, while much of the North is seeing stock fall. The contrast raises questions about affordability, confidence, and whether higher supply in the South could limit house price growth into 2026.

This visual snapshot reveals how property values rarely move in unison. Some streets surge ahead, others advance more quietly, each following its own rhythm. It’s a reminder that markets are made of micro stories, where proximity alone doesn’t guarantee the same outcome.

Thinking of renting out your home? With major rental reforms arriving in 2026, the days of private, informal lettings are over. Here’s what every homeowner needs to know to stay compliant, protected and prepared.