House Prices Set to Rise as Lending Rules Ease
With so much recent media focus on the challenges facing landlords, from legislative changes to tax pressures, it’s easy to feel discouraged about the future of property investment.

That’s why it’s worth sharing some genuinely positive news about the market outlook, particularly for landlords who are holding, refinancing, or considering growing their portfolio.

A recent article in The Daily Telegraph points to lending reforms that are expected to support higher house prices and increased demand over the coming years.

According to The Daily Telegraph (June 2025), changes to mortgage affordability rules could contribute to house price growth of up to 23.4 percent by 2029. For the average property, this could represent an additional £19,425 in value, driven specifically by relaxed lending criteria.

These changes include softer mortgage stress tests, allowing borrowers to access higher loan amounts and bringing more buyers into the market. Several major lenders, including Santander, Lloyds, HSBC, NatWest, and Nationwide, have already updated their affordability assessments to better reflect real world borrowing conditions.

First time buyers are also set to benefit from lower deposit requirements, increasing activity at the entry level and helping to stimulate movement across the entire housing chain.

To help landlords understand what this could mean in practical terms, we’re currently developing a new five year investment calculator for our website. Once live, you’ll be able to enter your own figures and see a personalised forecast based on these projected market changes.

The calculator will be available through both our landlord portal and our website, and we’ll let you know as soon as it’s ready so you can explore the numbers for yourself.