✅ Signs That Affordability Is Gradually Improving • Mortgage Rates Have Moderated — Improving Monthly Payment Burdens • Home-price Appreciation Has Slowed, and Inventory Is Slowly Rising • Real Incomes Are Rising, Giving Buyers More Buying Power • Some Metrics Show Affordability Has Stabilized or Slightly Improved ⚠️ But Challenges Remain — Affordability Is Still … Read more
For nearly two years, U.S. mortgage rates have hovered stubbornly between 6% and 7%, frustrating first-time buyers who were hoping for relief. Even as inflation has cooled and the Federal Reserve signals a more stable environment, borrowing costs have not returned to the ultra-low levels seen during the pandemic era. So why exactly are mortgage … Read more
The U.S. housing market is entering a pivotal transition period. After months of elevated borrowing costs and affordability struggles, recent data shows meaningful improvement. Average 30-year fixed mortgage rates have stabilized between 6.2% and 6.4%, marking a modest but important decline compared with earlier in 2025. According to ICE Mortgage Technology, these declining rates have … Read more
The positive momentum in the mortgage market isn’t limited to refinancing — homebuying activity is also beginning to rebound. With rates easing into the 6.2%–6.4% range and affordability reaching its best level in more than two years, more buyers are stepping back into the market after months of hesitation. Lower rates and improved affordability have … Read more
The shift to a lower rate environment hasn’t only helped new homebuyers — it has also sparked a significant refinancing surge across the country. With average 30-year fixed rates easing into the 6.2%–6.4% range, many homeowners who locked in mortgages during the higher-rate months of early 2025 are now rushing to restructure their loans. The … Read more
The U.S. housing market is finally showing signs of relief. After a turbulent start to 2025 marked by elevated borrowing costs and limited affordability, new data confirms a meaningful shift: average 30-year fixed mortgage rates have eased to around 6.2%–6.4%, offering the most favorable borrowing conditions seen in months. And according to ICE Mortgage Technology, … Read more
U.S. Mortgage Rates in Late 2025: Why 30-Year Fixed Rates Are Hovering Around 6.2%–6.4% — And What It Means for Homebuyers After months of financial uncertainty and aggressive market speculation, recent data shows a meaningful shift in the U.S. housing landscape: average 30-year fixed mortgage rates are now holding steady between 6.2% and 6.4%, marking … Read more
For millions of UK homeowners, few financial announcements are as important as the Bank of England’s decisions on interest rates. Whether the Bank chooses to raise, cut, or hold the base rate, the impact ripples quickly through the economy—and almost always lands squarely on mortgage borrowers. From monthly repayments to long-term affordability, fixed-rate deals, remortgaging … Read more
For decades, the standard UK mortgage term was simple: 25 years. It was the default for lenders, the baseline for affordability checks, and the model most homeowners expected to follow. But the UK’s housing market has dramatically changed, and so has the profile of today’s borrower. Rising house prices, stagnant wage growth, higher interest rates, … Read more
. Background: What Is the Renters’ Rights Act? 2. Immediate Effects on the Rental Market To understand how first-time buyer demand is affected, it helps to see what’s changing in the rental sector—and how landlords are reacting. A. Increased Security for Renters B. Potential Reduction in Rental Supply C. Impact on Rental Growth Dynamics 3. … Read more