The UK housing market in 2025 demonstrated a remarkable degree of resilience, even as house price growth slowed sharply towards the end of the year. According to data from Nationwide, annual house price growth fell to just 0.6% in December, down from 1.8% in November and marking the slowest rate since April 2024. This moderation was partly due to a high base for comparison, as December 2024 had seen a robust annual price growth of 4.7%. On a monthly basis, prices adjusted for seasonal effects slipped by 0.4%, underscoring the softer conditions that prevailed as the year came to a close.

For homeowners across the UK, a thriving housing market can be much more than just a headline. When property values rise, so does the amount of equity you have in your home. Equity is the difference between what your home is worth and what you still owe on your mortgage. This increase in equity doesn’t just look good on paper, it can play a significant role in improving your financial situation, especially when it comes time to remortgage.

As a UK homeowner, reaching the end of your mortgage term can bring up important decisions that affect your finances and your peace of mind. Whether your mortgage has already ended and you find yourself on your lender’s standard variable rate (SVR), your term is due to expire soon, or you simply want to plan ahead, it’s vital to understand your options and how they can impact your household budget.

As a new year begins, aspiring first-time home buyers in the UK have much to be optimistic about. The property market is shifting in ways that can benefit those looking to step onto the housing ladder, with lower mortgage rates, competitive seller pricing, and a higher supply of available homes creating a favorable landscape. If you’re dreaming of your own place, this is an ideal time to prepare and take advantage of evolving market conditions.

For many UK homeowners, the end of a mortgage term can bring feelings of uncertainty. But it’s also a golden opportunity to save money and gain financial peace of mind. If your current mortgage deal is coming to an end, or you’re already on your lender’s standard variable rate (SVR), now is the perfect time to explore your remortgage options. By acting early and shopping around, you can lock in a deal that suits your needs and avoid the risk of higher repayments in the future.

The UK housing market is set to enter 2026 with renewed optimism, offering promising prospects for homeowners across the country. As the market stabilizes and expert forecasts point to gradual price growth, this environment creates valuable opportunities for homeowners to safeguard and potentially increase their built-up equity. For those considering remortgaging, the climate is particularly favorable, making now an excellent time to explore options rather than settle for a lender’s standard variable rate (SVR).