Market Views

Bringing you expert insights on the UK property market

At Twindig, we’re all about giving you the knowledge you need to realise the potential in your property.

Here, you’ll find advice and insights from our resident property market analyst and consumer champion, Anthony Codling - all powered by our own data analysis.

Whether you’re a homeowner, a renter, a landlord, or you’re looking to sell or buy, these articles and podcasts will help you make informed decisions and stay up-to-date with the latest market developments.

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Twindig Housing Market Index (HMI)

The Twindig Housing Market Index fell by 0.8% to 68.1 last week. A mixed picture this week, investor confidence in lenders slipped by around 5% as the Bank of England reported that credit conditions are tightening and that lenders themselves expect the growth if mortgage supply to slow. Read more

Written by: Anthony Codling
Published: 19/10/2020
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UK housing market: Pictures speak thousands of words but do they paint the truth about the UK housing market?

Rising usage of property portals paint a rosy picture of the UK housing market and with Lockdown II many of us will have more time to kill in our homes and some of that will be used looking for or daydreaming about our next home. Portal traffic will continue to rise, but does property porn reflect fantasy or reality? Read more

Written by: Anthony Codling
Published: 18/10/2020
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Does a three-tier lockdown mean a three-tier housing market?

Since the UK housing market re-opened for business on 13 May it has had two-tiers. Tier 1 comprises the financially secure whose jobs have not been impacted by COVID and who have seen their savings rise and tier 2, the financially stretched, whose jobs have been impacted by COVID and seen their financial situation worsen. Those in Tier 1 can choose to move, Tier 2 cannot. We believe that whilst a three-tier lockdown will not create a three-tier housing market it will see the ranks of those in Tier 2 swell and compound the problems of those already there. Read more

Written by: Anthony Codling
Published: 14/10/2020
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Twindig Housing Market Index (HMI)

The Twindig Housing Market Index rose by 2.8% last week to 72.1, it’s highest level since the end of August, it was another strong week for the UK Housing market as house prices and housing transaction volumes continued to recover. Read more

Written by: Anthony Codling
Published: 12/10/2020
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UK housing market: You’re gonna need a bigger ticket…

In August the pace of UK economic recovery slowed, it seems that we will need more than comfort food to get us through the pandemic. In September we saw the lowest volume of new car registrations since the current licence plate system began in 1999, it seems we cannot run (or drive) away from the pandemic either. Read more

Written by: Anthony Codling
Published: 11/10/2020
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Generation buy, will it really help first time buyers?

In his virtual conference keynote speech, UK Prime Minister Boris Johnson vowed to help turn generation rent into generation buy through a Government-backed long term fixed-rate mortgage scheme. In this article, we look at what we know about the scheme, answer questions about the scheme and look at 20 most expensive and 20 most affordable areas in the country to live, if you are able to work from home and are therefore location-agnostic you might find your dream home where you least expected it. Read more

Written by: Anthony Codling
Published: 09/10/2020
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Twindig Housing Market Index (HMI)

The Twindig Housing Market Index rose by 1.7% last week to 70.1. An interesting week when all market indicators, including this one, pointed upwards: house prices, mortgage approvals and, unfortunately mortgage rates. Read more

Written by: Anthony Codling
Published: 05/10/2020
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UK housing market: All rise: House Prices, mortgage approvals and mortgage rates

This week we learned that house prices, mortgage approvals and unfortunately mortgage rates all went up. Whether or not this is good news depends on which rung of the property ladder you are on. It is good news for those on the ladder, but not so good for those trying to get on it. The pace of mortgage rate growth accelerates as the loan to value ratio (LTV) of the mortgage sought increases. This penalises the deposit poor and suggests that although house prices are currently rising, lenders continue to see house price falls on the horizon. Read more

Written by: Anthony Codling
Published: 04/10/2020
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Twindig Housing Market Index (HMI)

The Twindig Housing Market Index fell by 2.2% last week to 69.9, investor sentiment perhaps reflecting the theme of yesterday’s Twindig Housing Market View, that ‘the housing market is strong or those who can secure a mortgage. Read more

Written by: Anthony Codling
Published: 28/09/2020
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UK housing market: A fragile recovery?

The general thrust of UK Housing market data over recent weeks has been positive, house prices are rising and the volume of housing transactions is building. However, this week did we get a glimpse of how fragile the UK housing market recovery is? When word of second waves and tightening lockdown restrictions hit the news wires on Monday the stock market saw the share prices of housing-related stocks fall significantly. They have recovered a bit but still finished the week down around twice as much as the FTSE 100 and FTSE 250 suggesting that the foundations of the housing market recovery may be being built in the sandpit rather than on bedrock. Read more

Written by: Anthony Codling
Published: 27/09/2020
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Anthony Codling is Twindig’s CEO and Founder. Formerly a housing market analyst for City institutions including JP Morgan Cazenove, Oriel Securities and Jefferies, he’s a leading authority on the UK property market.