Housing Insight Report for July 2025

September 4, 2025
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The July 2025 report shows steady sales with stronger appraisals, but affordability remains stretched amid high inflation and static interest rates. Rental demand continues to outpace supply, keeping competition intense despite slight stock growth.

Sales

1. On average, there were around 11.2 homes placed for sale per member branch in July 2025

2. In July 2025, stock levels remained near static month on month, with an average of 39 properties for sale at each member branch.

Pricing and demand
Buyer registrations dipped, but realistic pricing is converting. Sales agreed per branch nudged higher, and appraisals rose — a forward signal for stock. Viewings per available property were steady.

Affordability and finance
With the base rate unchanged and inflation elevated, affordability remains stretched. Mortgage advances continued to climb while arrears and possessions showed slight movement — watchlist, not red flag.

Time to complete
Conveyancing timelines remain elongated, though trending gently down from prior peaks.

 

Lettings

1. The average number of new property instructions (fully managed) increased slightly in July 2025.

2. Demand continues to outstrip supply, with the average number of applicants per member branch sitting at just over 6 people for each available property in July 2025.

Supply vs demand
Rental stock improved marginally, but demand still overshoots supply by around six applicants per listing. Competition keeps rents firm overall.

Prices and performance
Average rents were broadly static month‑on‑month, with solid year‑on‑year growth. Tenancies agreed remained healthy.

Landlords and policy backdrop
Landlord sentiment is cautious amid policy discussions. Some exit intentions persist, constraining the pace of stock recovery.

 

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