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Summer surge in mortgage activity

ended 10. June 2025

Are you seeing a summer surge in demand for mortgages and property as people seek to get in their new homes by the Autumn — ready for christmas? Is it a quieter June than usual so far or is demand ramping up ahead of the school holidays next month? Any insights from the front line of the mortgage and property world, send them across by 09:00 tomorrow as we'll be issuing this to the media shortly after.

3 responses from the Newspage community

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Editor
Michelle Lawson
Director at Lawson Financial
We are really busy at the moment and seen an uptick of purchases, remortgage and investor activity. As transactions are taking longer people may be getting more prepared however, I have had a few vendors pull out of selling as well so things remain a bit volatile.
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Editor
Rob Peters
Principal at Simple Fast Mortgage
If there’s a summer surge happening, we’re not feeling it yet. June’s started off with a restrained increase in activity.

Buyers are more cautious and rate-aware, especially with recent swap rate movements and some lenders starting to reprice upwards. Those with strong motivation, such as upsizing families or relocating professionals, are moving quickly. But for other home buyers, economic uncertainty is keeping things from really taking off.

In the property investment world it's business as usual as savvy dealmakers will make things happen in almost any financial climate.

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Kundan Bhaduri
Entrepreneur, Investor and Landlord at The Kushman Group
Yes, there’s a summer surge, but only because buyers are sprinting ahead of what they rightly fear will be an autumn of economic mismanagement under Rachel Reeves’ Labour circus. This isn’t demand fuelled by optimism. It is rather a last-minute trolley dash before the shelves are emptied by rising rates, tighter lending, and yet another anti-landlord policy announcement buried under a “fairness” ribbon. As a property developer, I can tell you the fundamentals haven’t changed: planning remains glacial, supply’s still strangled, and confidence is running on fumes. Reeves might fancy herself the heir to the Iron Lady, but with tax-and-spend instincts straight out of a student union debate, the only thing she’s shrinking is lending capacity. Demand is up, yes. But let’s not confuse that with sanity. The truth is, people aren’t buying homes, they are buying time before Labour economics turns bricks and mortar into political collateral.