According to the July 2025 House Price Index, activity in the UK housing market is significantly up this summer, with more houses bought and a record number for sale compared to previous summers.
There is normally less house-buying activity in the summer, but in 2025, there has been more activity than normal, with 11% more people wanting to buy homes. Completed sales are up by 8% and many more homes than usual are for sale. This trend is affecting all UK regions.
One reason for this increased demand is a change to the mortgage affordability rules, with homebuyers able to borrow 20% more in July 2025 than three months previously. These new affordability rates do not increase the interest rates offered.
House prices in the UK are rising by a modest 1.3%, though in North West England, there has been a 2.7% rise. The main factor that has slowed house price inflation is higher stamp duty charges, which have increased the total cost of buying a house. This is factored into offers by buyers wanting to decrease agreed sale prices.
Property website Zoopla expects that mortgage rates will remain at the current rate for the rest of 2025, between 4% and 5%. By the end of 2025, home sales are predicted to be 5% higher than in 2024.
If you are one of the many summer 2025 house buyers, you will need a reliable removals service. Your best choice for house removals in Merseyside and beyond is Merseyside Movers & Storers.
