--- title: "UK housing market outlook: May 2025 data reveals market stability" description: UK housing market shows stability in May 2025, with balanced supply-demand dynamics and regional growth insights for property investors. image: https://www.shojin.co.uk/hubfs/Blog/2025/06%20June/May%20Market%20Update/uk-housing-june-800.png --- Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 minutes to learn more. Risk information **Risk summary for investments in speculative illiquid securities which are arranged by a firm by way of an online platform.**   **Estimated reading time: 2 min**   Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.   **What are the key risks?**   1. **You could lose all the money you invest** - By investing into a real estate project through Shojin you will be investing in a Bond instrument issued by Special Purpose Vehicles (SPV’s) which provide a funding facility for the purpose of real estate development. If the project fails, Investors can lose some or all of the money they invested. - Advertised rates of return aren’t guaranteed. This is not a savings account. If the project doesn’t pay the SPV back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher project risk with an increased probability of losing your money. - Due Diligence and project oversight is carried out by the platform on each Shojin project that you are investing into to assess how well they are expected to perform. However, you should always also do your own research before investing. - These investments are sometimes held in an Innovative Finance ISA (IFISA). While any potential gains from your investment will be tax free, you can still lose all your money. An IFISA does not reduce the risk of the investment or protect you from losses. 2. **You are unlikely to be protected if something goes wrong** - Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. [Try the FSCS investment protection checker here.](https://www.fscs.org.uk/check/investment-protection-checker) - Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA regulated firm, FOS may be able to consider it. [Learn more about FOS protection here.](https://www.financial-ombudsman.org.uk/consumers) 3. **You are unlikely to get your money back quickly** - This type of property investment could face delays that can delay payments. These investments could also fail altogether and be unable to repay investors their money. - You have the opportunity to sell your investment early through the secondary market but there is no guarantee you will be able to find someone willing to buy. 4. **This is a complex investment** - This investment has a complex structure to ensure the interest of investors is protected. Investments are made into each designated project SPV and are ringfenced from other project SPV's to ensure full transparency of each investment made. - You may wish to get financial advice to understand how the structure works before deciding to invest. 5. **Don’t put all your eggs in one basket** - Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well. - [A good rule of thumb is not to invest more than 10% of your money in high-risk investments.](https://www.fca.org.uk/investsmart/5-questions-ask-you-invest) [If you are interested in learning more about how to protect yourself, visit the FCA’s website here.](https://www.fca.org.uk/investsmart) [For further information about minibonds, visit the FCA’s website here](https://www.fca.org.uk/consumers/mini-bonds). Close [Skip to content](https://www.shojin.co.uk/insights/uk-housing-market-outlook-may-2025-data-reveals-market-stability#main-content) [![shojin-logo](https://www.shojin.co.uk/hs-fs/hubfs/shojin/shojin-logo.png?width=92&height=30&name=shojin-logo.png) ![logo-light](https://www.shojin.co.uk/hs-fs/hubfs/shojin/logo-light.png?width=92&height=30&name=logo-light.png) ![shojin-logo-fixed](https://www.shojin.co.uk/hubfs/shojin/shojin-logo-fixed.svg)](https://www.shojin.co.uk) - [Invest](https://www.shojin.co.uk/insights/uk-housing-market-outlook-may-2025-data-reveals-market-stability#invest) - [Borrow](https://www.shojin.co.uk/insights/uk-housing-market-outlook-may-2025-data-reveals-market-stability#borrow) - [Learn](https://www.shojin.co.uk/insights/uk-housing-market-outlook-may-2025-data-reveals-market-stability#learn) - [Company](https://www.shojin.co.uk/insights/uk-housing-market-outlook-may-2025-data-reveals-market-stability#company) - [Invest](https://www.shojin.co.uk/insights/uk-housing-market-outlook-may-2025-data-reveals-market-stability#invest) - [Borrow](https://www.shojin.co.uk/insights/uk-housing-market-outlook-may-2025-data-reveals-market-stability#borrow) - [Learn](https://www.shojin.co.uk/insights/uk-housing-market-outlook-may-2025-data-reveals-market-stability#learn) - [Company](https://www.shojin.co.uk/insights/uk-housing-market-outlook-may-2025-data-reveals-market-stability#company) [![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)Why us](https://www.shojin.co.uk/invest/why-us) [![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)Overview](https://www.shojin.co.uk/invest) How to invest [![chart-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/chart-line-light.svg) 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![git-fork-light-1](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light-1.svg) Whole loan](https://www.shojin.co.uk/borrow/products/whole-loan) [![house-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-light.svg) ![house-line-hover](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-hover.svg) Mezzanine](https://www.shojin.co.uk/borrow/products/mezzanine) [![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg) ![door-hover](https://www.shojin.co.uk/hubfs/shojin/icons/door-hover.svg) Bridge](https://www.shojin.co.uk/products/bridge) [![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg) ![door-hover](https://www.shojin.co.uk/hubfs/shojin/icons/door-hover.svg) Stabilisation and finish & exit](https://www.shojin.co.uk/stabilisation-finish-exit) How to borrow [![tree-structure-light](https://www.shojin.co.uk/hubfs/shojin/icons/tree-structure-light.svg) 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[![video\_library\_FILL0\_wght100\_GRAD0\_opsz24](https://www.shojin.co.uk/hubfs/ICONS/New%20Icons/video_library_FILL0_wght100_GRAD0_opsz24.svg) ![Artboard 1](https://www.shojin.co.uk/hubfs/ICONS/New%20Icons/Artboard%201.svg) Video explainers](https://www.shojin.co.uk/video-faqs) [![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)Contact us](https://www.shojin.co.uk/company/contact-us) Learn more [![globe-light](https://www.shojin.co.uk/hubfs/shojin/icons/globe-light.svg) ![globe-hover](https://www.shojin.co.uk/hubfs/shojin/icons/globe-hover.svg) About us](https://www.shojin.co.uk/company/about-us) [![users-three-light](https://www.shojin.co.uk/hubfs/shojin/icons/users-three-light.svg) ![user-three-hover](https://www.shojin.co.uk/hubfs/shojin/icons/user-three-hover.svg) Team](https://shojin.co.uk/company/about-us#TEAM)   [![list-checks-light](https://www.shojin.co.uk/hubfs/shojin/icons/list-checks-light.svg) ![list-checks](https://www.shojin.co.uk/hubfs/shojin/icons/list-checks.svg) Careers](https://www.shojin.co.uk/company/careers) [![git-fork-light](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light.svg) ![git-fork-light-1](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light-1.svg) Partnerships](https://www.shojin.co.uk/company/partnerships) - [Login](https://portal.shojin.co.uk/user/login) - [Sign up](https://invest.shojin.co.uk/express-interest-investing-2026) - [Login](https://portal.shojin.co.uk/user/login) - [Sign up](https://invest.shojin.co.uk/express-interest-investing-2026) Next level opportunities Shojin is a fractional property investment platform. We share opportunities for global investors to gain exceptional returns. [Why us ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/invest/why-us) [Overview ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)](https://www.shojin.co.uk/invest) How to invest [![chart-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/chart-line-light.svg) ![chart-line-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chart-line-hover.svg) Products Explore ways to earn interest on capital or income on capital growth](https://www.shojin.co.uk/invest/products) [![chart-bar-light](https://www.shojin.co.uk/hubfs/shojin/icons/chart-bar-light.svg) ![chart-bar-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chart-bar-hover.svg) IFISA Invest in a tax efficient way with our Innovative Finance ISA](https://www.shojin.co.uk/invest/products/ifisa) [![circles-three-light](https://www.shojin.co.uk/hubfs/shojin/icons/circles-three-light.svg) ![circle-three-hover](https://www.shojin.co.uk/hubfs/shojin/icons/circle-three-hover.svg) Pensions Take control of you pension by using SIPP & SSAS products](https://www.shojin.co.uk/invest/products/pensions) Who is Shojin for [![user-list-light](https://www.shojin.co.uk/hubfs/shojin/icons/user-list-light.svg) ![user-list-hover](https://www.shojin.co.uk/hubfs/shojin/icons/user-list-hover.svg) Individuals We make real estate investing more accessible for individual investors](https://www.shojin.co.uk/invest/who-is-shojin-for/individuals) [![chalkboard-teacher-light](https://www.shojin.co.uk/hubfs/shojin/icons/chalkboard-teacher-light.svg) ![chalkbord-teacher-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chalkbord-teacher-hover.svg) Family offices Investment opportunities for SFOs, MFOs and HNWs](https://www.shojin.co.uk/invest/who-is-shojin-for/family-offices) [![presentation-chart-light](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-light.svg) ![presentation-chart-hover](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-hover.svg) Wealth managers We work with finance professionals and intermediaries to share opportunities](https://www.shojin.co.uk/invest/who-is-shojin-for/wealth-managers) Fund your next project We support borrowers at every step of the journey, from acquisition through to development and exit. [Why us ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)](https://www.shojin.co.uk/borrow/why-us) [Overview ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/borrow) Products [![git-fork-light](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light.svg) ![git-fork-light-1](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light-1.svg) Whole loan We provide a combination of senior and junior debt to allow developers to take on larger schemes](https://www.shojin.co.uk/borrow/products/whole-loan) [![house-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-light.svg) ![house-line-hover](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-hover.svg) Mezzanine Top up funding that allows you to minimise your contribution, enhancing your return on capital whilst maintaining full control.](https://www.shojin.co.uk/borrow/products/mezzanine) [![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg) ![door-hover](https://www.shojin.co.uk/hubfs/shojin/icons/door-hover.svg) Bridge Short-term senior and junior debt for land acquisition, refinancing, and conversions.](https://www.shojin.co.uk/products/bridge) [![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg) ![door-hover](https://www.shojin.co.uk/hubfs/shojin/icons/door-hover.svg) Stabilisation and finish & exit Investment finance for completed or near-complete schemes that need time to optimise value before permanent refinancing or sale.](https://www.shojin.co.uk/stabilisation-finish-exit) How to borrow [![tree-structure-light](https://www.shojin.co.uk/hubfs/shojin/icons/tree-structure-light.svg) ![tree-structure-hover](https://www.shojin.co.uk/hubfs/shojin/icons/tree-structure-hover.svg) How it works Our process focuses on delivering an exceptional outcome for all parties.](https://www.shojin.co.uk/borrow/how-it-works) [![laptop-light](https://www.shojin.co.uk/hubfs/shojin/icons/laptop-light.svg) ![laptop-hover](https://www.shojin.co.uk/hubfs/shojin/icons/laptop-hover.svg) Apply Submit your application or request a call back](https://www.shojin.co.uk/borrow/how-it-works#APPLY) Elevate your investing Browse our blog for news, features, market update and special reports to build your real estate investing knowledge. [All insights ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/insights) Insights [![trophy-light](https://www.shojin.co.uk/hubfs/shojin/icons/trophy-light.svg) ![trophy-hover](https://www.shojin.co.uk/hubfs/shojin/icons/trophy-hover.svg) Masterclass Watch our webinars on demand](https://www.shojin.co.uk/insights/tag/masterclass) [![files-light](https://www.shojin.co.uk/hubfs/shojin/icons/files-light.svg) ![files-hover](https://www.shojin.co.uk/hubfs/shojin/icons/files-hover.svg) Special reports Read our reports and research](https://www.shojin.co.uk/insights/tag/special-reports) [![notification-light](https://www.shojin.co.uk/hubfs/shojin/icons/notification-light.svg) ![notification](https://www.shojin.co.uk/hubfs/shojin/icons/notification.svg) Market updates Expert insight and analysis](https://www.shojin.co.uk/insights/tag/market-updates) [![note-pencil-light](https://www.shojin.co.uk/hubfs/shojin/icons/note-pencil-light.svg) ![note-pencil-hover](https://www.shojin.co.uk/hubfs/shojin/icons/note-pencil-hover.svg) Blog Stay up-to-date with news and views](https://www.shojin.co.uk/insights/tag/blog) Resources [![question-light](https://www.shojin.co.uk/hubfs/shojin/icons/question-light.svg) ![question-hover](https://www.shojin.co.uk/hubfs/shojin/icons/question-hover.svg) FAQs](https://www.shojin.co.uk/faqs) [![list-dashes-light](https://www.shojin.co.uk/hubfs/shojin/icons/list-dashes-light.svg) ![list-dashes-hover](https://www.shojin.co.uk/hubfs/shojin/icons/list-dashes-hover.svg) Glossary Learn and understand some of the terms we use in materials such as investment memorandums.](https://www.shojin.co.uk/glossary) [![video\_library\_FILL0\_wght100\_GRAD0\_opsz24](https://www.shojin.co.uk/hubfs/ICONS/New%20Icons/video_library_FILL0_wght100_GRAD0_opsz24.svg) ![Artboard 1](https://www.shojin.co.uk/hubfs/ICONS/New%20Icons/Artboard%201.svg) Video explainers Watch our short video FAQs](https://www.shojin.co.uk/video-faqs) Our company Shojin is an FCA-regulated fractional investing platform enabling global investors to build their wealth from UK-based real estate investment opportunities. [Contact us ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/company/contact-us) Learn more [![globe-light](https://www.shojin.co.uk/hubfs/shojin/icons/globe-light.svg) ![globe-hover](https://www.shojin.co.uk/hubfs/shojin/icons/globe-hover.svg) About us Our mission, vision and purpose](https://www.shojin.co.uk/company/about-us) [![users-three-light](https://www.shojin.co.uk/hubfs/shojin/icons/users-three-light.svg) ![user-three-hover](https://www.shojin.co.uk/hubfs/shojin/icons/user-three-hover.svg) Team We're an experienced team of real estate and investment professionals](https://shojin.co.uk/company/about-us#TEAM)   [![list-checks-light](https://www.shojin.co.uk/hubfs/shojin/icons/list-checks-light.svg) ![list-checks](https://www.shojin.co.uk/hubfs/shojin/icons/list-checks.svg) Careers Take your career to the next level](https://www.shojin.co.uk/company/careers) [![git-fork-light](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light.svg) ![git-fork-light-1](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light-1.svg) Partnerships Partner with us to increase access to real estate investing](https://www.shojin.co.uk/company/partnerships) [Market updates](https://www.shojin.co.uk/insights/tag/market-updates) [Blog](https://www.shojin.co.uk/insights/tag/blog) 5 min read # UK housing market outlook: May 2025 data reveals market stability For property investors, understanding the UK housing market requires analysing multiple price indexes, each with distinct methodologies. With May 2025 behind us, we examine the latest data from Rightmove, Halifax, ONS, and Nationwide to provide you with an actionable market overview.   **UK House Price Indices: January 2023 - May 2025** Comparing Rightmove (asking prices) with transaction-based indices     *Source: Rightmove, Halifax, ONS, and Nationwide indices*     ###### 1) Rightmove: Asking prices maintain upward trajectory   Rightmove's methodology: Tracks asking prices from new listings on their platform, providing the earliest indicator of market sentiment and seller expectations.   May 2025 (latest data) key points:   - Average asking price: £379,517 (up 0.6% month-on-month) - Monthly increase: £2,335 from April's £377,182 - Annual growth moderation: Only 1.2% ahead of May 2024 - Market dynamics shifting: Decade-high supply levels constraining price growth What this index tells us about the UK housing market:   The consistent month-on-month growth in asking prices demonstrates sustained seller optimism, building on April's strong performance. This 0.6% monthly increase suggests sellers remain confident about market demand despite broader economic uncertainties.   Record prices meet market reality: While May achieved another new price record at £379,517, this represents the smallest May increase since 2016, indicating that decade-high supply levels are constraining seller pricing power.   Market maturation signals: Rightmove's Colleen Babcock observes that "this month's price increase being the lowest in May for nine years is a sign of a market that favours buyers and is more subdued than usual." This shift reflects fundamental changes in market dynamics.   Buyer selectivity increases: Rightmove attributes May's constrained price growth partly to weakened buyer demand in April (down 4% year-on-year following stamp duty changes), though this hasn't prevented sales agreements from remaining 5% higher than last year. As Babcock notes: "buyers may well have several similar homes to choose from in their area, and a home which appears over-priced compared to the competition may not get a second look."   Supply surge creates opportunities: The number of new properties coming to market is 14% ahead of last year. Rightmove emphasizes that "spoiled-for-choice buyers are still being tempted by the right property at the right price," highlighting the importance of competitive positioning.   As the earliest market indicator, Rightmove's data often signals market direction 2-3 months before transaction-based indexes reflect actual performance. The steady upward trajectory, supported by accelerating transaction volumes, indicates sellers continue to test higher price points successfully.   ###### 2) Halifax: Transaction prices show resilient growth   Halifax's methodology: Based on mortgage approvals from one of the UK's largest lenders, reflecting actual agreed transaction prices rather than asking prices.   April 2025 (latest data) key points:   - Average property price: £297,781 (up 0.3% month-on-month) - Recovery from March: up £1,082 from March's £296,699 - Consistent growth momentum:Building on positive trajectory from previous months - Regional leadership: Northern Ireland, Wales and Scotland continue strong performance What this index tells us about the UK housing market:   Transaction resilience: The Halifax data demonstrates solid transaction-based growth, with April's 0.3% monthly increase (£1,082) representing a strong recovery from March. This upward momentum validates the strength seen in asking price data.   Market stability foundation: Halifax's Amanda Bryden notes that "the last six months characterised by a stability in prices rarely seen since the pandemic." Using the real-time data available to investors, prices have shown remarkable consistency around the £297,000-£299,000 range over recent months.   Regional powerhouse performance continues: The Halifax data reinforces the strong performance of Northern Ireland, Wales and Scotland, with these markets continuing to significantly outpace England's regions, highlighting compelling investment opportunities beyond traditional markets.   Improving market conditions: Halifax emphasizes that "mortgage rates have continued to fall, with most lenders now offering rates below 4%. Coupled with positive earnings growth that has outpaced broader inflation, these factors have helped to steadily improve affordability for many buyers." ###### 3) ONS: Comprehensive transaction analysis   ONS methodology: Uses data from HM Land Registry, Registers of Scotland, and Land & Property Services Northern Ireland to track final transaction prices across all residential property sales, including cash purchases.   May 2025 data status: Not yet available - ONS publishes with 2-3 month lag   March 2025 (most recent data) key points:   - Average property price: £271,415 (up 1.2% month-on-month) - Monthly growth accelerating: up from 5.5% annual growth in February - Regional standout: North East England leading with 14.3% annual growth - Stamp duty impact: March sales volumes highest since September 2021 What this index tells us about the UK housing market:   Accelerating price momentum: The ONS data shows annual house price inflation has been steadily increasing since the December 2023 low of -2.7%, reaching 6.4% in March 2025. This represents the strongest annual growth rate in over a year, indicating robust underlying market conditions.   Regional powerhouse performance: The North East's extraordinary 14.3% annual growth (up from 8.5% in February) highlights how stamp duty changes disproportionately benefited lower-priced regions. With average prices of just £168,000, the North East offers compelling value propositions for investors.   Transaction volume surge: March 2025 recorded the highest sales volumes since September 2021, driven by buyers rushing to complete before the April stamp duty changes. This activity surge suggests strong underlying demand that extends beyond tax considerations.   London lagging: At just 0.8% annual growth (down from 1.4% in February), London continues to underperform the national average.   ###### 4) Nationwide   Nationwide methodology: Combines mortgage approval data with broader market analysis to provide balanced transaction-based pricing.   May 2025 (latest data) key points: - Average price: £273,427 (up 0.5% month-on-month) - Strong recovery from April's -0.6% decline - Annual growth acceleration: 3.5% (up from 3.4% in April) - Post-stamp duty resilience: Market activity maintaining strength despite policy changes What this index tells us   Market fundamentals remain robust: Despite the end of stamp duty incentives, Nationwide's Chief Economist Robert Gardner notes that "mortgage approvals data suggests that market activity appears to be holding up well following the end of the stamp duty holiday." Supporting economic backdrop: Gardner highlights that "unemployment remains low, earnings are rising at a healthy pace (even after accounting for inflation), household balance sheets are strong and borrowing costs are likely to moderate a little if Bank Rate is lowered further."   Location strategy insights: Nationwide's analysis reveals that "average house price growth in predominantly rural locations has continued to outpace more urban areas" with rural areas achieving 23% growth versus 18% in urban areas since December 2019.   ###### Summary and investment implications   The May 2025 data reveals a market entering a more balanced phase where strong supply meets selective buyer behavior. For development finance providers like Shojin, this environment presents both opportunities and considerations for evaluating lending opportunities.   Key factors to monitor:   - Supply-demand rebalancing: 14% more homes for sale than last year, while buyer demand in April fell 4% year-on-year as the market experienced a post-stamp duty hangover following March's transaction surge, creates both challenges and opportunities for developers - Regional market dynamics: While Northern Ireland shows exceptional growth, London's more measured pace at 1.3% annual growth may present opportunities for development finance where competition for sites and projects could be less intense - Transaction volumes resilience: Nationwide's 3.5% annual growth and strong month-on-month recovery validates underlying market strength despite stamp duty changes - Mortgage rate trajectory: Rates below 4% and recent Bank Rate cuts supporting improved affordability for buyers For investors:   The market's transition toward balance creates a nuanced landscape for evaluating development lending opportunities.    Development opportunity assessment: The shift toward buyer selectivity means developments must be competitively positioned. As Rightmove notes: "buyers may well have several similar homes to choose from in their area, and a home which appears over-priced compared to the competition may not get a second look." This places greater emphasis on developers' market positioning and exit strategy assumptions.   Regional development considerations: Each market presents distinct opportunities - from high-growth areas like Northern Ireland to established markets like London where experienced developers can capitalise on selective buyer behavior. Nationwide's analysis of rural outperformance (23% vs 18% urban growth since 2019) also highlights location-specific opportunities within regional markets.   Market timing considerations: Halifax's stability with prices remaining in the £297,000-£299,000 range provides predictability for development appraisals, while the 5% increase in agreed sales demonstrates that well-positioned developments can still achieve successful exits.   Bottom line: May 2025 data shows a market with solid fundamentals - Nationwide's 3.5% annual growth, Halifax's transaction resilience, and Rightmove's record prices all point to underlying strength despite more selective buyer behavior.   This environment favours development finance opportunities with experienced developers who understand local market positioning and realistic exit strategies.   [Written by Shojin](https://www.shojin.co.uk/insights/author/shojin) Published 03 June 2025 Back to top![](https://www.shojin.co.uk/hubfs/shojin/icons/backto-top.png) Subscribe to newsletter Subscribe to receive the latest Shojin insights and resources to your inbox every week. #### Share this post - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-linkedin.svg)](http://www.linkedin.com/shareArticle?mini=true&url=https://www.shojin.co.uk/insights/uk-housing-market-outlook-may-2025-data-reveals-market-stability) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-facebook.svg)](https://www.facebook.com/sharer/sharer.php?u=https://www.shojin.co.uk/insights/uk-housing-market-outlook-may-2025-data-reveals-market-stability) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-twitter.svg)](http://twitter.com/intent/tweet?text=https://www.shojin.co.uk/insights/uk-housing-market-outlook-may-2025-data-reveals-market-stability) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-email.svg)](mailto:?subject=https://www.shojin.co.uk/insights/uk-housing-market-outlook-may-2025-data-reveals-market-stability&body=https://www.shojin.co.uk/insights/uk-housing-market-outlook-may-2025-data-reveals-market-stability) More in this series ## Similar insights you might like [View all](https://www.shojin.co.uk/insights) [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/2025/08%20August/July%20Market%20Analysis/UK-building-blue-sky.jpg?width=352&name=UK-building-blue-sky.jpg)](https://www.shojin.co.uk/insights/uk-housing-market-outlook-july-2025-data-confirms-market-rebalancing) [Market updates](https://www.shojin.co.uk/insights/tag/market-updates), [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [UK housing market outlook: July 2025 data confirms market rebalancing](https://www.shojin.co.uk/insights/uk-housing-market-outlook-july-2025-data-confirms-market-rebalancing) For property investors, understanding the UK housing market requires analysing multiple price... 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You’remore likely to gain higher returns than traditional, inflexible investing routes. ## Follow us [![linkedin](https://www.shojin.co.uk/hubfs/shojin/icons/linkedin.svg) ![linkedin-h](https://www.shojin.co.uk/hubfs/shojin/icons/linkedin-h.svg)](https://www.linkedin.com/company/shojin-property-partners) [![facebook](https://www.shojin.co.uk/hubfs/shojin/icons/facebook.svg) ![facebook-h](https://www.shojin.co.uk/hubfs/shojin/icons/facebook-h.svg)](https://www.facebook.com/ShojinUK) [![instagram](https://www.shojin.co.uk/hubfs/shojin/icons/instagram.svg) ![instagram-h](https://www.shojin.co.uk/hubfs/shojin/icons/instagram-h.svg)](https://www.instagram.com/shojinpropertyUK) [![twitter](https://www.shojin.co.uk/hubfs/shojin/icons/twitter.svg) ![twitter-h](https://www.shojin.co.uk/hubfs/shojin/icons/twitter-h.svg)](https://twitter.com/ShojinProperty) Invest - [Overview](https://www.shojin.co.uk/invest) - [Why us](https://www.shojin.co.uk/invest/why-us) - [For Individuals](https://www.shojin.co.uk/invest/who-is-shojin-for/individuals) - [For Family Office](https://www.shojin.co.uk/invest/who-is-shojin-for/family-offices) - [For Wealth Managers](https://www.shojin.co.uk/invest/who-is-shojin-for/wealth-managers) - [Products](https://www.shojin.co.uk/invest/products) - [IFISA](https://www.shojin.co.uk/invest/products/ifisa) - [Pensions](https://www.shojin.co.uk/invest/products/pensions) Borrow - [Overview](https://www.shojin.co.uk/borrow) - [Why us](https://www.shojin.co.uk/borrow/why-us) - [Senior](https://www.shojin.co.uk/borrow/products/senior-debt) - [Mezzanine](https://www.shojin.co.uk/borrow/products/mezzanine) - [Equity](https://www.shojin.co.uk/borrow/products/equity) - [How it works](https://www.shojin.co.uk/borrow/how-it-works) - [Apply](https://www.shojin.co.uk/borrow/how-it-works#ENQUIRE) Learn - [All insights](https://www.shojin.co.uk/insights) - [Masterclass](https://www.shojin.co.uk/insights/tag/masterclass) - [Special reports](https://www.shojin.co.uk/insights/tag/special-reports) - [Market updates](https://www.shojin.co.uk/insights/tag/market-updates) - [Blog](https://www.shojin.co.uk/insights/tag/blog) - [FAQs](https://www.shojin.co.uk/faqs) - [Glossary](https://www.shojin.co.uk/glossary) Legals - [Terms & conditions](https://www.shojin.co.uk/website-terms-conditions) - [Privacy Policy](https://www.shojin.co.uk/privacy-policy) - [Key Risks](https://www.shojin.co.uk/key-risks) - [Risk Management disc](https://www.shojin.co.uk/pillar-3) - [IFISA T&Cs](https://www.shojin.co.uk/ifisa-terms-conditions) Other - [About us](https://www.shojin.co.uk/company/about-us) - [Our team](https://www.shojin.co.uk/company/about-us#TEAM) - [Careers](https://www.shojin.co.uk/company/careers) - [Contact us](https://www.shojin.co.uk/company/contact-us) Awards ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) MEZZANINE LENDER OF THE YEAR WINNER Alternative Credit Awards 2024 ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) MOST INNOVATIVE PROPERTY INVESTMENT PLATFORM WINNER SME Finance Awards 2023 ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) BRIDGING LENDER OF THE YEAR WINNER P2P Finance Awards 2023 ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) INNOVATIVE LENDER OF THE YEAR HIGHLY COMMENDED P2P Finance Awards 2022 ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) FINANCIER OF THE YEAR, RESIDENTIAL FINALIST RESI Awards 2021 Member ![AREIP-logo](https://www.shojin.co.uk/hs-fs/hubfs/shojin/AREIP-logo.png?width=156&height=80&name=AREIP-logo.png) ![UKFCA WHITE](https://www.shojin.co.uk/hs-fs/hubfs/UKFCA%20WHITE.png?width=95&height=114&name=UKFCA%20WHITE.png) ![logo\_CREFCE\_logo\_white\_clear\_background](https://www.shojin.co.uk/hs-fs/hubfs/logo_CREFCE_logo_white_clear_background.png?width=150&height=54&name=logo_CREFCE_logo_white_clear_background.png) Important note Please note that property investments involve risks including loss of capital, illiquidity, default of a borrower and lack of returns. The risks involved will vary by project types, so please make sure you have read and understood the specific risks associated with the investment. Investments made on this website should only be made as part of a diversified investment portfolio. For more details, see the Key Risks. Projections or estimated returns are not a reliable indicator of actual future performance and eventual returns or dividends may be lower than predicted. Information presented on this website is for guidance purposes only and does not constitute financial advice. If you are unsure of the suitability of an investment, please contact your financial adviser for professional advice. Shojin is a trading name of Shojin Financial Services Limited. This website is a financial promotion approved by Shojin Financial Services Limited which is authorised and regulated by the Financial Conduct Authority (FRN: 716765) (see [www.fca.org.uk/register](https://www.fca.org.uk/firms/financial-services-register) for more information). Companies that issue investments on this platform, including bonds issued by Shojin entities, are not themselves regulated by the Financial Conduct Authority and investments made on this site are not covered by the Financial Services Compensation Scheme. The investment opportunities listed on this website are not offers to the public and can only be entered into by certain types of investors who have satisfied certain investment criteria. 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