Larger estate agencies are often the most visible. Their boards are dotted across neighbourhoods, their branding is familiar, and their presence—both online and on the high street—can feel reassuring. There’s a perception that if an agent has more listings, they must be doing something right.

The latest developments in borrowing costs have undoubtedly introduced a new layer of caution into the UK housing market. However, while headlines may suggest uncertainty, the reality on the ground tells a more balanced story—one of resilience, adaptation, and continued opportunity.

With mortgage rates steadier and spring listings emerging, March 2026 offers buyers a balanced window before peak competition intensifies.

As borrowing costs climb back to levels last seen in late 2023, landlords are being forced to rethink not only how they finance their portfolios, but how they sustain profitability in a more challenging and complex market.