劳埃德银行最新月度指数显示，英国房价在7月基本停滞[1]。平均房价为299,253英镑，环比下跌143英镑，同比增幅仅为0.1%，创2023年11月以来最弱增速[1]。抵押贷款利率持续走高加剧了购房者的财务压力，两年期和五年期固定利率抵押贷款的平均利率分别达到5.63%和5.67%[1]。
英国各地区房价表现分化明显。北爱尔兰表现最佳，年增长达7.4%，平均房价为231,131英镑；苏格兰年增长3.6%，平均房价223,246英镑；威尔士年增长1.6%，平均房价231,458英镑；英格兰东北部年增长2.8%，平均房价182,488英镑[1]。相比之下，英格兰东南部房价下跌2%至381,146英镑，伦敦大都市区下跌1.3%至533,930英镑[1]。
劳埃德银行抵押贷款主管Amanda Bryden表示，"住房需求保持基本稳定，活动继续快速响应抵押贷款利率变化"[1]。RBC资本市场分析师Anthony Codling评价市场处于"静止状态"[1]，而伦敦地产中介Garrington Property Finders董事Nicholas Finn指出，英国南北房产差异"日益根深蒂固"[1]。
UK house prices showed virtually no growth in July, according to Lloyds Bank's monthly index, with the average property price standing at £299,253 and year-on-year growth of just 0.1%—the weakest pace since November 2023 [1]. The stagnation reflects mounting pressure on buyers as mortgage costs remain elevated, with two-year fixed-rate mortgages averaging 5.63% and five-year rates at 5.67% [1].
Regional disparities have widened significantly across the UK. Northern Ireland led with a 7.4% annual increase and an average price of £231,131, while Scotland saw 3.6% growth at £223,246 and Wales posted 1.6% growth at £231,458 [1]. The picture deteriorated in southern England, where the Southeast experienced a 2% annual decline at an average of £381,146, and London's metropolitan area fell 1.3% to £533,930 [1]. The Northeast of England bucked the broader trend with 2.8% annual growth, averaging £182,488 [1].
Amanda Bryden, Lloyds' mortgage director, noted that "housing demand remains broadly stable, with activity continuing to respond quickly to mortgage rate movements" [1]. However, analysts have characterized the market as becalmed; Anthony Codling of RBC Capital Markets described it as being in a "static state" [1]. Nicholas Finn, a director at London property agent Garrington Property Finders, observed that regional disparities in UK property values are becoming "increasingly entrenched" [1].