Our key predictions for 2026:
Recent Budget changes have encouraged many buyers and sellers to revisit their plans, helping momentum build going into the new year.
What does this mean for buyers?
With more homes coming to market, wages growing faster than house prices and mortgage products becoming more accessible, first-time buyers should enjoy greater choice and stronger negotiating power in 2026. While challenges remain, conditions are notably more favourable than in recent years.
What does this mean for sellers?
With buyers enjoying more choice, pricing realistically for the new year’s market will be essential to securing a sale. Presentation and flexibility will also play a big part — a clean, well-staged home, openness to viewings and appointments, and a realistic approach to offers will all help attract the right buyer and keep your sale moving smoothly.
- Not yet on the market - You can also use our free online valuation tool to understand your home’s current value or give us a call and we will do one in person: https://www.clarkesproperties.co.uk/property-valuation/
House prices & affordability
We expect modest national price growth of around 2%, reflecting a market that is regaining balance after recent uncertainty. Encouragingly, affordability should continue to improve as wage growth outpaces house prices and mortgage rates ease.
Mortgage lenders are also reviewing their criteria, which could responsibly increase buyers’ borrowing power.
Mortgage rates & the wider economy
With the Bank of England Base Rate now at 3.75%, mortgage conditions are more positive than this time last year. Further rate cuts are possible in early 2026, particularly benefiting two-year fixed rates, which have become increasingly competitive.
Inflation continues to stabilise, supporting steady and sustainable market growth rather than sharp price swings.
In summary
With modest price growth, improving affordability and easing mortgage rates, 2026 could be a great year to make your move. Whether you’re buying your first home, upsizing, or thinking about selling in Bournemouth and the surrounding areas, the team at Clarkes is here to guide you every step of the way.