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UK Housing: Buyers Delay Decisions Amid Steady Supply and Affordability Concerns

Prospective homeowners are taking longer to commit to purchases across England and Wales, despite stable property listings, according to new data. Affordability pressures and geopolitical uncertainty are influencing subdued transaction volumes.

  • Listing volumes in England and Wales remained only 1% lower in Q2 2026 compared to Q2 2025.
  • Transaction volumes are subdued due to affordability concerns and wider geopolitical uncertainties.
  • Sold subject to contract volumes fell 7% annually, but June saw a rise in new conveyancing instructions.
  • Sellers are increasingly reducing asking prices, creating a buyer's market.
  • Scottish listing volumes declined 9% year-on-year, with sold subject to missives down 6%.

The property market in England and Wales is experiencing a "perfect storm" of caution from buyers, who are taking longer to commit to purchases despite a steady supply of available homes. New data from Landmark Information Group reveals that listing volumes were only marginally lower than last year's figures, but transaction levels remain subdued due to affordability concerns and geopolitical uncertainties.

According to the report, property listing volumes across England and Wales were just 1% lower in the second quarter of 2026 compared to the same period in 2025. While there are signs that demand is recovering, overall transaction volumes are being held back by ongoing affordability issues and broader economic uncertainties.

A closer look at the supply figures shows relative stability from April to June 2026. New listings in April 2026 saw a 1% increase compared to April 2025, though June 2026 volumes finished 3% below those of June 2025. Sold subject to contract volumes experienced a 7% annual decline.

In Scotland, the property market displayed a different trend, with listing volumes declining by 9% year-on-year and sold subject to missives volumes down 6%. Landmark Information Group noted a 23% annual rise in completion volumes, attributing this largely to comparisons with the post-Stamp Duty deadline slowdown experienced in March 2025.

Ben Robinson, managing director of Landmark Estate Agency Services, said supply has remained robust throughout the second quarter, with healthy stock levels providing ample choice for buyers. He highlighted that sellers are increasingly reducing asking prices to attract interest, while affordability pressures continue to be a significant factor for purchasers.

The data suggests the market is adjusting to elevated mortgage rates and the political landscape following the conclusion of the Stamp Duty incentive period in March 2025. While first-time buyers still face affordability hurdles, the uptick in conveyancing instructions during June offers a glimmer of hope that transaction activity may be stabilising.

The current blend of steady supply and cautious demand has created conditions that favour buyers, offering more choice and exerting downward pressure on asking prices. The sustained growth of transactions will likely depend on broader economic factors, including future mortgage rate movements and political stability in the coming months.

Why this matters: The UK property market is a key indicator of economic health, and these trends directly impact homeowners, prospective buyers, and the wider financial sector. Understanding these dynamics helps predict future housing affordability and market stability.

What this means for you: What this means for you: If you are looking to buy a home, these conditions may offer more choice and potentially better negotiating power on asking prices. For sellers, it suggests a need for realistic pricing to attract buyers in a cautious market.

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