As January draws to a close, the picture for the UK housing market in 2026 is becoming clearer and more confident. Forecasts suggest around 2% house price growth alongside mortgage rate stability at approximately 3.75% have already begun to influence buyer behaviour.
The result? A strong early-year uplift in activity that is setting the tone for the months ahead.
Rather than a tentative start, the market has moved forward with purpose. Buyers who delayed decisions through 2024 and parts of 2025 are re-entering with clarity, improved affordability, and a renewed willingness to commit.
Why 2026 price growth matters for sellers
While a 2% rise may appear modest on paper, its impact on sentiment is significant. After a period shaped by caution and price sensitivity, even steady growth sends a powerful signal of stability. Buyers are far less inclined to “wait it out” when prices are no longer falling, particularly when early indicators suggest competition will increase as the year progresses.
For sellers, this means momentum. Homes launched in the early part of the year are benefiting from rising confidence without yet facing the full weight of spring supply. That balance is supporting stronger enquiry levels and more constructive negotiations.
Mortgage rate stability: restoring buyer confidence
Stability has become the key word in the 2026 market. With mortgage rates holding at around 3.75%, buyers can now plan with confidence. Monthly repayments are predictable, mortgage offers are being secured earlier, and the fear of sudden affordability shifts has eased.
Insights from Rightmove and Zoopla consistently show that when rates level out, buyer demand strengthens quickly. This is particularly evident among first-time buyers and second-steppers, many of whom are now actively viewing and offering rather than monitoring from the sidelines.
A strong start sets the pace for 2026
The traditional “New Year rush” has returned but with a more measured, informed feel. Buyers entering the market now are motivated, financially prepared, and keen to secure a purchase before spring competition intensifies or further price growth is reflected in asking prices.
Industry commentary by Property Industry Eye suggests that sellers who act early often benefit from greater visibility and more focused buyer attention. As confidence continues to build into spring, competition between listings is expected to increase, making early positioning a clear advantage.
Selling your house in 2026: why timing still matters
If you are planning on selling your house in 2026, the signals emerging at the end of January are encouraging. Improved affordability is allowing buyers to stretch for the right property, while stable pricing expectations are supporting smoother transactions.
Crucially, today’s buyers are not chasing deep discounts. They are looking for certainty, quality, and value, all of which create better conditions for well-presented, realistically priced homes to achieve strong results with fewer delays.
Speak with a local property expert to plan your next move and position your home confidently for the months ahead.
What sellers should do next
A positive market alone does not guarantee success. Accurate pricing, professional presentation, and a clear launch strategy remain essential, particularly as buyer confidence returns.
Book a professional market appraisal to understand how 2026 price forecasts apply to your home and location.
As January closes, one thing is clear: 2026 has begun with stability, clarity, and renewed momentum. For sellers who act with purpose, the early part of the year is already proving to be a powerful opportunity.
Get an instant online valuation to see how early-year demand is shaping local values.
