英国9月房价同比涨幅降至0.8%，较8月的1.6%下降一半，创下去年12月以来的最低增速1。9月房价环比下降0.2%，英国房屋平均价格为274,251英镑1。
抵押贷款成本的上升是房价增速放缓的主要驱动因素。两年期固定抵押贷款平均利率升至2024年7月以来的最高水平，五年期固定利率升至2023年10月以来的最高水平，两者均超过5.9%1。中东冲突推高了能源成本和通胀预期，进而推升了利率1。尽管按揭成本上升抑制了购房需求，但房价涨幅低于薪资增长改善了购房可负担性1。
地区表现存在差异，东英吉利地区年度房价下跌0.7%，而北爱尔兰增长最强劲，年涨幅达5.9%1。全国建筑协会预期，随着能源冲击消退，房价将出现反弹1。
UK house price growth has decelerated significantly, with annual increases falling to 0.8% in September from 1.6% in August, marking the slowest pace since December of the previous year 1. The average house price stood at £274,251 1. This slowdown reflects mounting pressure from elevated mortgage costs, as two-year fixed-rate mortgages reached their highest levels since July 2024, and five-year fixed rates climbed to their highest point since October 2023, both exceeding 5.9% 1. The surge in borrowing costs has been driven by Middle Eastern conflict pushing up energy expenses and inflation expectations 1.
Despite the headwinds, housing affordability has shown some improvement. According to the National Building Society's chief economist Robert Gardner, house price growth has remained well below wage growth for some time 1. While regional variations persisted—with East Anglia experiencing a 0.7% annual decline and Northern Ireland posting the strongest growth at 5.9%—Gardner suggested that housing demand could rebound once the energy shock subsides 1.
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