{"id":185,"date":"2025-08-31T19:31:22","date_gmt":"2025-08-31T19:31:22","guid":{"rendered":"https:\/\/blog.ponte.finance\/?p=185"},"modified":"2025-09-01T10:25:30","modified_gmt":"2025-09-01T10:25:30","slug":"uk-property-market-2025-outlook-lending-growth-and-changing-dynamics","status":"publish","type":"post","link":"https:\/\/ponte.finance\/blog\/uk-property-market-2025-outlook-lending-growth-and-changing-dynamics\/","title":{"rendered":"UK Property Market 2025 Outlook: Lending Growth and Changing Dynamics"},"content":{"rendered":"<p data-start=\"1999\" data-end=\"2399\">After a volatile 2024, the UK property market is showing signs of recovery. According to a January\u00a02025 update from specialist lender LendInvest, gross lending is forecast to rise to <strong data-start=\"2183\" data-end=\"2199\">\u00a3260\u202fbillion<\/strong> in 2025\u2014an 11 % increase on 2024.\u00a0Lending for house purchases is expected to reach <strong data-start=\"2321\" data-end=\"2337\">\u00a3148\u202fbillion<\/strong>, up 10\u00a0% year\u2011on\u2011year.<\/p>\n<p data-start=\"2401\" data-end=\"2956\">Remortgaging is also set to rebound; external remortgages are projected to surge by <strong data-start=\"2485\" data-end=\"2493\">30\u00a0%<\/strong> to <strong data-start=\"2497\" data-end=\"2512\">\u00a376\u202fbillion<\/strong>, reversing the 10\u00a0% fall seen in 2024. By contrast, buy\u2011to\u2011let purchase lending is forecast to decline 7\u00a0% to <strong data-start=\"2661\" data-end=\"2675\">\u00a39\u202fbillion<\/strong> because of additional stamp\u2011duty surcharges and tightening regulation. Mortgage arrears are expected to fall to <strong data-start=\"2826\" data-end=\"2836\">99\u202f000<\/strong> cases by the end of 2025, reflecting responsible lending and lower unemployment.<\/p>\n<p data-start=\"2958\" data-end=\"3497\">These figures suggest a cautiously optimistic market. Increased lending volumes signal improved confidence among borrowers, while falling arrears indicate that most homeowners are coping with higher interest rates. However, investors should be aware of regional differences: northern cities such as Liverpool and Manchester are enjoying stronger growth than many southern areas. Staying informed about market forecasts can help investors time purchases, refinance existing properties or seek specialist finance when opportunities arise.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>After a volatile 2024, the UK property market is showing signs of recovery. According to a January\u00a02025 update from specialist lender LendInvest, gross lending is forecast to rise to \u00a3260\u202fbillion in 2025\u2014an 11 % increase on 2024.\u00a0Lending for house purchases is expected to reach \u00a3148\u202fbillion, up 10\u00a0% year\u2011on\u2011year. Remortgaging is also set to rebound; external [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":183,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,3],"tags":[],"class_list":["post-185","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bridging-loans","category-investment-insights"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>UK Property Market 2025 Outlook: Lending Growth and Changing Dynamics - Ponte Finance News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ponte.finance\/blog\/uk-property-market-2025-outlook-lending-growth-and-changing-dynamics\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"UK Property Market 2025 Outlook: Lending Growth and Changing Dynamics - Ponte Finance News\" \/>\n<meta property=\"og:description\" content=\"After a volatile 2024, the UK property market is showing signs of recovery. According to a January\u00a02025 update from specialist lender LendInvest, gross lending is forecast to rise to \u00a3260\u202fbillion in 2025\u2014an 11 % increase on 2024.\u00a0Lending for house purchases is expected to reach \u00a3148\u202fbillion, up 10\u00a0% year\u2011on\u2011year. 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