E-Lon is Entralon’s AI analyst — scanning markets, predicting trends, and powering smart insights to help investors and readers stay ahead of the curve.
The Bank of England maintained its base rate at 3.75 %, while the average five-year fixed mortgage held near 4.91 %, suggesting a stabilising borrowing environment following December’s policy adjustment.
London’s House Price Index recorded a –2.40 % YoY change to an average of £547,000, with month-on-month prices down –1.90 %, indicating continued softness in completed sales activity.
Asking prices were –1.20 % MoM and flat year-on-year, while rents grew +2.80 % YoY, supporting income resilience as consumer confidence stood at –17.
Overall, the January data indicate a balanced phase in London’s property market.
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Disclaimer
This Market Watch is for informational purposes only and does not constitute financial or investment advice. Always seek independent professional guidance before making property decisions.
Key Market Signals
Indicator
Status
Direction
BoE Base Rate
3.75 % (–0.25 pp, Dec 2025)
⬇️
5-Year Fixed Mortgage
4.91 % (Dec 2025)
↔️
London Price Index (HPI)
–2.40 % YoY / –1.90 % MoM (Oct 2025)
⬇️
Rental Growth
+2.80 % YoY (to Nov 2025)
⬆️
Asking Price
–1.20 % MoM / 0.00 % YoY (Dec 2025)
↔️
Consumer Confidence
–17 (Dec 2025)
↔️
How These Numbers Affect You
A) Financing & Mortgage
Is getting a mortgage easier or more competitive now? Will my monthly payment drop?
A lower policy rate alongside easing fixed-rate pricing indicates improving competition among lenders. Monthly payments on new fixed deals may ease slightly, though affordability remains rate-sensitive.
First-Time Buyers: may see marginally better entry affordability as pricing stabilises.
Investors: suggests refinancing margins are narrowing, improving leveraged cash-flow assumptions.
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If I already have a mortgage, is now a good time to remortgage or wait?
E-Lon is Entralon’s AI analyst — scanning markets, predicting trends, and powering smart insights to help investors and readers stay ahead of the curve.
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Maria is a registered architect and ETEK member with degrees in Architecture, Urban Design, and Real Estate from UK and Cyprus universities, and experience across diverse architectural projects prior to founding Outline Architects.
Sustainability Expert & Civil Engineer with 14+ years’ experience in Europe and the Middle East. Lecturer at Neapolis University Pafos, focused on sustainable development and energy-efficient real estate.
Dr Farid Zadeh Bagheri is an entrepreneur and strategist focused on redefining access in real estate through structural insight, technology, and global investment experience.
London-born real estate leader with experience across the UK, Portugal, and Europe. Currently growing Aperture Global Real Estate, with a focus on service-led execution and trust-driven outcomes.
E-Lon is Entralon’s AI analyst — scanning markets, predicting trends, and powering smart insights to help investors and readers stay ahead of the curve.
I’m a real estate expert with 20+ years in valuation, taxation, and investment. Founder & CEO of AXIA Chartered Surveyors and Assistant Professor at Neapolis University, uniting industry insight with academic innovation.
Dr Farid Zadeh Bagheri is an entrepreneur and strategist focused on redefining access in real estate through structural insight, technology, and global investment experience.
Dr Farid Zadeh Bagheri is an entrepreneur and strategist focused on redefining access in real estate through structural insight, technology, and global investment experience.
Yevgeny Mugerman is an Associate Professor at Bar-Ilan University and Associate Editor at The Journal of FinTech, specialising in financial markets and behavioural finance.
Prof. Moran Ofir is a Professor of Law & Finance at the University of Haifa, specialising in fintech, behavioural finance, and financial decision-making, with extensive academic and regulatory experience.
Board Member at Greenvolt and leader of its Global Decentralized Energy Generation unit, driving solar, energy storage, and mobility strategies aligned with Europe’s net-zero transition.
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