The latest Zoopla House Price Index reveals that the housing market in the UK started 2026 with significant momentum. Sales activities in February reached their fourth highest level in the last ten years.
The strong start to the year is mainly due to improved mortgage offers, with interest rates on two- to five-year fixed deals below 4%. The number of homes listed for sale was 6% higher in February compared to the previous year.
The monthly mortgage repayments on around 40% of homes for sale are lower than the monthly rent, making it more affordable to buy a house than rent.
Affordability testing rules have been relaxed so that it’s easier to obtain a mortgage offer. Higher-than-average wage rises mean more first-time buyers can afford to buy their own home.
Zoopla predicts a modest increase in house prices during the remainder of 2026, along with a healthy level of sales. However, there are significant variations in house values depending on the location. House prices in the North West increased by 3%, but in London and the South, prices were flat or slightly lower. In Liverpool, house prices have risen by 4%, but the housing market remains healthy.
The Zoopla house Price Index accurately tracks the prices paid for UK houses, not the asking price, with the index updated each month.
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