{"id":3323,"date":"2025-09-07T09:02:41","date_gmt":"2025-09-07T09:02:41","guid":{"rendered":"https:\/\/second-home.uk\/?p=3323"},"modified":"2025-09-07T09:02:41","modified_gmt":"2025-09-07T09:02:41","slug":"uk-finance-mortgage-activity-to-rebound-in-q3","status":"publish","type":"post","link":"https:\/\/second-home.uk\/?p=3323","title":{"rendered":"UK Finance: Mortgage activity to rebound in Q3"},"content":{"rendered":"<p>The number of people buying properties with a mortgage is expected to surge in the third quarter, according to trade body UK Finance.<\/p>\n<p>The first quarter of 2025 was particularly busy, followed by a sharp decline in Q2 after the stamp duty thresholds reverted, especially in April.<\/p>\n<p>However, the trade body said an uptick in activity is coming in Q3 due to the number of applications received.<\/p>\n<p>Eric Leenders,\u202fmanaging director of personal finance at UK Finance, said:\u00a0\u201cAfter April\u2019s Stamp Duty changes briefly cooled activity, June\u2019s renewed mortgage uptake \u2013 and the steady build-up of savings under competitive rates and a stable ISA allowance \u2013 demonstrates the market\u2019s resilience as we move into the third quarter.<\/p>\n<p><!--   \t\t  \t\t\t \t\t\t\tgoogletag.cmd.push(function() { googletag.display(\"div-gpt-ad-1715620536068-0\"); }); \t\t\t  \t\t  \t -->  \t <\/p>\n<p>\u201cThe FCA has started a very welcome and important debate on whether mortgage affordability tests can be revised to support higher levels of homeownership. We have already seen lenders make changes to help more people get access to mortgage finance.<\/p>\n<p>\u201cOur analysis shows that a carefully measured easing of stress-test rules can responsibly allow more people \u2013 especially first\u2010time buyers \u2013 into the mortgage market without leading to a significant increase in arrears levels.\u201d<\/p>\n<p>Housing market activity already rebounded in June, with annual growth in lending to first-time buyers and movers up 14% and 8% respectively.<\/p>\n<p>Remortgage activity is expected to increase over the remainder of the year.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The number of people buying properties with a mortgage is expected to surge in the third quarter, according to trade body UK Finance. The first quarter of 2025 was particularly busy, followed by a sharp decline in Q2 after the stamp duty thresholds reverted, especially in April. However, the trade body said an uptick in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3324,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-3323","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-second-home"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>UK Finance: Mortgage activity to rebound in Q3 - Second Home<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.propertywire.com\/news\/uk-finance-mortgage-activity-to-rebound-in-q3\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"UK Finance: Mortgage activity to rebound in Q3 - Second Home\" \/>\n<meta property=\"og:description\" content=\"The number of people buying properties with a mortgage is expected to surge in the third quarter, according to trade body UK Finance. The first quarter of 2025 was particularly busy, followed by a sharp decline in Q2 after the stamp duty thresholds reverted, especially in April. 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