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UK Finance produces independent forecasts for the mortgage and housing markets over a two year time horizon. Includes gross and net lending for residential and buy-to-let markets, refinancing, total property transactions and mortgage arrears and possessions.
UK Finance today releases its Mortgage Market Forecast. In 2026 we expect to see:
Overall gross lending rise by four per cent to £300 billion.
10,000 fewer property transactions in 2026 compared to 2025.
A 10 per cent rise in external remortgaging and two per cent rise in Product Transfers.
1.8 million fixed rate mortgages due to come to an end.
A further five per cent fall in arrears.
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