UK house prices flat in July, says Lloyds, as buyers struggle with affordability
UK house prices were essentially flat in July, with a marginal 0.1% rise compared to a year earlier. Buyers are feeling pressure from higher mortgage rates and uncertainty linked to Middle East tensions, limiting affordability. Lloyds expects market activity and prices to stay relatively stable for the rest of the year.
- ▪Lloyds reported the average UK house price at £299,253 in July, down £143 from June.
- ▪Year‑on‑year price growth was only 0.1%, the weakest rate since November 2023.
- ▪Average two‑year and five‑year fixed mortgage rates were around 5.63% and 5.67% respectively, up from below 5% earlier in the year.
- ▪Regional differences showed Northern Ireland price growth of 7.4% year‑on‑year, while Greater London saw a 1.3% decline.
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| Original publisher | The Guardian — World |
| Canonical URL | https://www.theguardian.com/business/2026/aug/07/uk-house-prices-flat-july-lloyds-affordability |
| Publication time | Fri, 07 Aug 2026 09:32:59 GMT |
| Retrieval time | 2026-08-07T09:45:45.760Z |
| Last seen | 2026-08-07T09:45:45.760Z |
| Headline source | Publisher (no WeSearch rewrite) |
| Excerpt source | publisher body |
| Excerpt method | First ~120 words (~800 chars) of extracted publisher body, fair-use limited. |
| Summary | WeSearch · cerebras-chat (WeSearch summarizer) |
| Summary source text | contentText |
| Citation coverage | Summary is a WeSearch-generated derivative; primary citation is the original publisher URL. |
| Cluster | Gynq-3jxWqba · 1 stories |
| Cluster logic | Grouped by semantic title/content similarity across sources within a rolling window. Same-publisher template collisions are excluded from coverage comparison. |
| Ranking reason | Story pages are not engagement-ranked. Hub feeds use recency, with optional source-diversified chronological ordering (cap consecutive stories per source). No personalized ranking. |
| Publisher visit | Yes — open original |
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| AI summary | May WeSearch generate its own short summary of the article? | Limited |
| Retrieval / RAG | May the content be exposed for third-party retrieval-augmented generation? | Not asserted |
| Model training | May the content be used to train AI models? | Not asserted |
| Commercial reuse | May the content be reused commercially? | Not permitted |
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House prices in Greater London were down 1.3% year on year to an average of £533,930. Photograph: Karl Hendon/Getty ImagesView image in fullscreenHouse prices in Greater London were down 1.3% year on year to an average of £533,930. Photograph: Karl Hendon/Getty ImagesHousing marketUK house prices flat in July, says Lloyds, as buyers struggle with affordabilityProperty prices in ‘suspended animation’ owing to higher mortgage rates and uncertainty in Middle East Business live – latest updates Lauren AlmeidaFri 7 Aug 2026 05.32 EDTLast modified on Fri 7 Aug 2026 05.42 EDTSharePrefer the Guardian on GoogleUK house prices were broadly stagnant in July as prospective buyers were squeezed by higher mortgage rates, uncertainty around the Middle East and stretched affordability, according to the…
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