This is Money Podcast Will the mortgage price war revive the property market?
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Dec 12, 2025 Mortgage lenders are slashing rates, leading to excitement for potential homebuyers and 1.9 million people facing remortgage. Experts suggest now is the best time in a decade to negotiate on new builds. The discussion also touches on the housing market's resilience despite regional differences and the potential impact of upcoming rate cuts. Furthermore, there's a fascinating look at the trend of Britons searching for homes abroad, with Spain topping the list, and clever tips on gifting shares to children for the holidays.
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Mortgage Price War Driven By Rate Moves
- Mortgage lenders have launched a price war with many cuts after a quiet period and budget uncertainty.
- Falling base rates (expected cut to 3.75%) and lender targets are driving cheaper fixed deals now.
Top-End Uncertainty Slows Whole Market
- Higher-value segments stalled by tax policy talk have created a log-jam that trickles down the housing market.
- Brokers say once average mortgage rates fall below ~4% (and ideally under 3.5%) demand could materially pick up.
Act Early If Your Fix Expires Next Year
- Check your fixed-rate expiry date because 1.9 million borrowers come off deals next year and may face payment shocks.
- Remortgage sooner if rates keep falling to reduce the jump in monthly payments.