ARMs offer lower initial rates but carry preconceptions. Agents and lenders must educate buyers on today's safer ARMs, expanding homeownership access responsibly in a tight market. Clear safeguards and underwriting improvements mitigate risks.
Homeowners are increasingly using equity release to access property wealth, driven by concerns over estate tax changes and retirement income pressures. £665M accessed in Q1 2025.
A recent analysis of home prices, ownership rates and migration in 2024 found that homeownership has remained relatively stable over the past few years, even as affordability has worsened.
