英国地产代理公司Hamptons的最新调查表明，超过一半的首次购房者如今的月度抵押贷款支付额已经超过他们之前支付的租金1。这一比例达到56%，为至少十年来最高水平，购房者平均每月多支付39英镑1。房贷负担加重主要源于抵押贷款利率持续上升——五年期固定利率抵押贷款的平均成本首次突破6%关口，周一早间平均利率为5.99%，两年期抵押贷款平均利率为5.96%1。
与此同时，租赁市场的租金也在快速攀升，英国全国新租约的年增长率在9月份达到2.7%，创近两年来最快增速1。全国平均月租金现已升至1433英镑，较上年9月的1396英镑上涨1。地区差异明显，伦敦地区新租约平均月租金达2357英镑，较上年同期上升1.5%1；英格兰南部平均租金则上升3.7%至1419英镑1。40多岁的首次购房者受影响最深，其中67%的月供超过原来租金，平均每月多支付18%1。
A survey by property agent Hamptons reveals that over half of first-time homebuyers in the UK are now spending more on monthly mortgage payments than they previously paid in rent, marking the highest proportion in at least a decade.1 Specifically, 56% of first-time buyers are paying more for mortgages than they did for rent, with these buyers paying an average of £39 more per month on their mortgages compared to their former rental costs.1
The change is driven by rising mortgage interest rates and rental price growth across Britain.1 Five-year fixed-rate mortgages have breached the 6% threshold for the first time, standing at an average of 5.99% as of Monday morning, while two-year fixed rates averaged 5.96%.1 Meanwhile, newly agreed rents across Great Britain increased 2.7% annually in September, the fastest pace in almost two years, pushing the national average monthly rent to £1,433, up from £1,396 a year earlier.1 Regional variations are pronounced, with rents in the South of England rising 3.7% to £1,419 per month, and Greater London averaging £2,357 monthly on new lets, a 1.5% annual increase.1
The impact is particularly acute for older first-time buyers, among whom 67% of those in their 40s now pay more for mortgages than rent, with payments running 18% higher on average.1 According to Hamptons analyst Aneisha Beveridge, "higher mortgage rates have turned that equation on its head," fundamentally altering the financial calculus that has long favored homeownership over renting for many in the UK.1
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