What will happen to the housing market in 2022?

Caz Blake-Symes • January 10, 2022
housing market forcast 2022

Moving into 2022, the housing market will be influenced by both positive and negative factors. On the positive side, the pandemic-induced search for space has further to run.  The ability to work from home has expanded the horizons for many office workers who now feel able to look further afield.

Zoopla research shows that 22% of people currently want to move, significantly higher than the usual 5% in a normal market. The high levels of equity homeowners have built up during the past 18 months and the shortage of homes on the market is expected to support house price growth well into 2022.

But on the downside, the rising cost of living, combined with an expectation that mortgage rates and taxes will rise next year, will impact affordability.

House price growth is expected to end 2022 at 3%, with growth likely to be strongest in the East Midlands and North West and weakest in London. Transaction levels are expected to fall by 20% to 1.2 million, in line with the long-running average but still comparatively high compared with the past decade. House price growth expected to slow in 2022 with regional variations

Richard Donnell, of Zoopla, said: ‘The impact of the pandemic on the housing market has further to run but at a less frenetic pace.  We expect the momentum in the market to outweigh some emerging headwinds from higher living costs and the risk of higher mortgage rates.  The latest data shows a turning point in the rate of house price growth, which we expect to slow quickly with average UK house prices up 3% by the end of 2022.’

What could this mean for you?

First-time buyers

The market remains fast-moving and is not expected to start slowing down until well into 2022. As a result, you’ll need to be prepared to move quickly if you see somewhere you like. It’s a good idea to have a mortgage offer agreed in principle before you start house hunting. With many potential buyers looking for more space, particularly a garden, you may find you have more choice and less pressure if you opt for a flat.

Home-movers

If you’re thinking of moving, it remains a great time to put your home on the market as demand from potential buyers is continuing to outstrip supply. Unfortunately, these same dynamics may make it challenging to find your next home. Do as much research as you can before listing your current property and talk to local estate agents to find out how fast the market is moving in your area.  If the market is moving very quickly, you may want to have an offer accepted on a property you want to buy before listing your current home for sale.

Bristol, Bath and Exeter Mortgages Online will gladly discuss all your mortgage options with you to best meet your current and predicted future needs looking at the whole-of-market


Contact Us

For further details about the service we offer as a fully independent mortgage brokers or any other mortgage information book your FREE CONSULTATION with one of our expert Mortgage Advisers, please contact us

Bristol Mortgages Online             www.bristolmortgagesonline.com        Tel 0117 325 1511

Bath Mortgages Online                www.bathmortgagesonline.com           Tel 01225 584 888

Exeter Mortgages Online             www.exetermortgagesonline.com        Tel 01392 690 888

      Email info@swmortgages.com

Remortgaging vs. Product Transfers Our Guide

By Caz Blake-Symes • March 17, 2026
If your current mortgage deal is coming to an end, you’ve likely started hearing the words "remortgage" and "product transfer" thrown around. In today’s shifting economic climate, making sure you are on the best possible mortgage rate is more important than ever.

Understanding Mortgage Affordability in 2026

By Caz Blake-Symes • February 16, 2026
we enter 2026, mortgage affordability remains one of the biggest concerns for homebuyers and homeowners alike. With interest rates, living costs, and lending criteria continuing to evolve, understanding what lenders look at when assessing affordability is more important than ever.

First home, faster with My First Mortgage from Santander

By Caz Blake-Symes • February 9, 2026
On 3 February, Santander are the first large lender to launch a First-time Buyer Mortgage over 95% LTV. It’s called My First Mortgage and is up to 98% LTV. Supporting FTBs is a key focus for us whilst lending responsibly.

Check out our January 2026 Newsletter!

By Caz Blake-Symes • January 19, 2026
This month’s edition is packed full of informative articles, including • Welcome and overview from Phil Clark • Base rate cut to 3.75%: what could it mean for mortgages? • Interest-Only Mortgages For Later Life. • Need Short-Term Property Finance? • What You Should Know About Second Charge Mortgages • Time to Remortgag

Thinking of Moving or Changing Your Mortgage in 2026?

By Caz Blake-Symes • January 6, 2026
Image courtesy of Freepix Happy New Year! Hope you all had a good Christmas Break and avoided the dreaded coughs and colds. I had the opportunity over the holiday to review many of the various property and finance reports available online, as well as those to which I subscribe. Pleasingly, the general tone is very opti

Season's Greetings from Phil Clark

By Caz Blake-Symes • December 20, 2025
I would like to wish you and your family a very Merry Christmas and a Happy and Healthy 2026

Base rate cut to 3.75%: what could it mean for mortgages?

By Caz Blake-Symes • December 18, 2025
The Bank of England meets every six weeks to decide what should happen to interest rates, with the aim of keeping inflation to its target and keeping the wider economy healthy. Today, Base Rate was cut from 4% to 3.75%.

House Price Index: November 2025

By Caz Blake-Symes • December 8, 2025
With the Budget uncertainty now lifted, buyers and sellers can return to making decisions about their next move. Removing the threat of a new annual property tax from 210,000 homes for sale will help revive market activity in higher-value areas. However, the lack of any stamp duty reform means homebuyers will continue

Check out our November newsletter!

By Caz Blake-Symes • November 28, 2025
Please click here to see our November newsletter This month’s edition is packed full of interesting articles, including What does the Budget mean for you? Interest-Only Mortgages For Later Life. Need Short-Term Property Finance? What is the Renters’ Rights Act, and what does it mean for tenants? What You Should Know About Second Charge Mortgages Time to Remortgage? Stunning 5-star Google Reviews! Let Us Help You If You Have Adverse Credit How to Contact Us You can also read more articles on our Blog. We hope you enjoy this Newsletter. If you have any queries, please call Phil Clark on 0117 325 1511 or email info@swmortgages.com

Budget 2025: Key points at a glance

By Caz Blake-Symes • November 27, 2025
Rachel Reeves has set out details of her second Budget since becoming Chancellor. Some measures from the yearly tax and spending plan had already been announced in the days leading up to the statement.