They Said Rates Would Drop. They Were Wrong | Here's Why | UK Mortgage Market Update

Описание: UK mortgage rates, UK house prices, and the UK housing market explained - weekly update for 10th April 2026.

House prices fell -0.5% in March according to the Halifax House Price Index, with the average UK house price now sitting at £299,677. Annual house price growth has slowed to just 0.8%.

The RICS Residential Market Survey shows UK housing market activity at near two-year lows. Swap rates remain elevated — 2-year at 4.20%, 5-year at 4.15% — keeping UK mortgage rates under pressure.

In this week's UK mortgage market update, Craig Fish (Director of Lodestone Mortgage, 25+ years as a mortgage broker in London and the South East) covers:

✅ Halifax House Price Index March 2026 — UK house prices fall
✅ RICS survey — UK housing market activity weakest since August 2023
✅ UK mortgage rates — why swap rates are driving the market right now
✅ Tracker mortgages vs fixed rate mortgages — which is right for you?
✅ Bank of England base rate outlook — what it means for mortgage rates UK
✅ First time buyer mortgage advice — why now could be your moment
✅ UK property market forecast — Craig's view for spring 2026
✅ How to get the best mortgage deal in the current market

Whether you're a first time buyer, home mover, or remortgaging — understanding UK mortgage rates and UK house prices is essential before making your next move.

📖 Craig's book — UK mortgages explained in plain English: https://amzn.eu/d/08eUXLmI
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Our mission is to deliver this crucial information in a straightforward, jargon-free manner, enhancing your understanding of these influential factors on your most substantial financial commitment – your mortgage. Our goal is to empower you to make well-informed financial decisions.

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Integer Advice Ltd t/a Lodestone is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the FCA.