Overall Market Performance — Stable and Positive
According to The Guardian (1 October 2025), data from Nationwide Building Society shows UK house prices rose 0.5% month-on-month in September, reversing a 0.1% decline in August. Annual growth edged up from 2.1% to 2.2%, bringing the average home price to £271,995.
Analysts noted that although the growth remains modest, the market demonstrates “broad stability,” indicating a healthy level of ongoing activity.
This steady rebound suggests the sector has avoided any major downturn, while stable employment and lending conditions continue to support property values and buyer confidence.
First-Time Buyers Drive Market Momentum
A Zoopla report (8 October 2025) highlights that first-time buyers now account for 39% of all UK home sales and approximately 50% of new mortgages.
The average purchase price for this group stands at £229,000, marking a 2.4% year-on-year increase—outpacing the 1.3% rise seen across the wider market. Over the past six months, first-time buyers’ borrowing power has improved by around 20%, driving a 30% increase in new mortgage volumes.
This trend indicates that market momentum is being driven by a broader base of homebuyers, laying the foundation for sustained and healthy growth across multiple regions.
Positive Signals for Developers and the Market
The return to price growth highlights ongoing buyer confidence and the resilience of the market. Active first-time buyers continue to drive steady demand for well-priced, newly built homes, reinforcing positive momentum across the sector. At the same time, improved lending conditions are supporting stronger transaction volumes and better liquidity.
Altogether, these signs of stability provide a favourable environment for developers, enabling more consistent long-term project planning and greater predictability in returns.
Positive Impact on Cosy Hauz
Against this backdrop, Cosy Hauz’s focus on South West London places us in an advantageous position. With first-time buyers increasingly active and borrowing conditions improving, our strategy of delivering high-quality, affordable new-build homes is fully aligned with market demand.
Although we provide our investors with a fixed interest rate, the steady recovery of the property market offers stronger external support for our developments. Stable pricing and renewed buyer demand mean our underlying assets are more resilient, cash flows more predictable, and overall risk lower.
For us, this is not only a sign of recovery but also an opportunity to refine our project portfolio and expand development prospects. The strengthening of market confidence enables us to advance new projects at a measured pace, securing advantages in land acquisition, planning, and sales execution.
With housing demand continuing to rise nationwide, we believe the current market environment will sustain long-term benefits for well-structured, high-quality developments, ensuring that our investors enjoy a secure and enduring asset foundation.
At Cosy Hauz, we remain committed to building better homes and better returns. Visit our website and get to know more about what we do.
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