As the Bank of England prepares for its upcoming Monetary Policy Committee (MPC) meeting, uncertainty continues to ripple through the UK housing market. New research reveals a divided outlook among homeowners regarding where mortgage rates are headed over the next 12 months , showing how unpredictable the current financial climate has become.

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.

Searching for the right home can be overwhelming. Use this practical checklist to stay organised, confident and ready to act when the right property appears.

If you are thinking about moving in the next 6 to 12 months, a market appraisal is often the best first step. It gives you a clearer view of value, timing and buyer demand, helping you plan with more confidence in a competitive 2026 market.