受抵押贷款利率上升影响，英国10月房价年增长率降至0.5%，为两年多来最慢增速 1。Nationwide Building Society数据显示，当月平均房价持平于273,566英镑 1。Moneyfacts统计指出，五年固定利率抵押贷款的平均成本三年来首次触及6%关口，具体数值为5.99%；两年期固定利率贷款的平均成本则为5.97% 1。
尽管英格兰银行基准利率维持在3.75%，但市场预期下周可能加息至4% 1。Nationwide首席经济学家Robert Gardner指出，中东冲突加剧了通胀担忧，从而推高了利率预期 1。财政大臣John Healey确认了一项价值47亿英镑的“Your First Home scheme”计划以支持首次购房者 1。然而，分析师预测房价可能进一步下跌，市场情绪依然低迷 1。
House prices in the United Kingdom expanded at their slowest pace in over two years during October, with annual growth dropping to 0.5 percent as mortgage rates climbed. 1 The average property price remained unchanged from the previous month at £273,566, reflecting a stagnant market environment. 1 This slowdown coincides with rising borrowing costs, as the average rate for a five-year fixed-rate mortgage reached 5.99 percent, approaching the 6 percent threshold for the first time in three years. 1 Two-year fixed-rate mortgages averaged 5.97 percent during the same period. 1
Market sentiment remains cautious despite government efforts to stimulate activity. Chancellor of the Exchequer John Healey confirmed the launch of the "Your First Home" scheme, valued at £4.7 billion, designed to assist first-time buyers. 1 However, analysts predict further potential declines in house prices, noting that global tensions are influencing domestic financial conditions. 1 Robert Gardner, chief economist at Nationwide Building Society, highlighted that conflicts in the Middle East have intensified inflation concerns, thereby elevating expectations for higher interest rates. 1 While the Bank of England has maintained its base rate at 3.75 percent, market forecasts suggest a possible increase to 4 percent next week. 1
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