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Charlie's 5 Fact Friday Newsletter
It's business, but not as usual, in the housing market this year - 30 January 2026
5 Fact Friday
The latest insider intel on UK housing market from Charlie Lamdin
Hi reader! Thank you for subscribing to my newsletter.
Welcome to your weekly briefing on important things affecting the housing market.
As a subscriber, the facts hit your inbox first. BUT it is always worth tuning into the live stream, as there may be a couple of last-minute additions. Find the live stream here (it happened at an unusual time today - midnight last night!):
Remember: If you’ve recently rented, bought or sold a home, please report your price to the BestAgent Public House Price Index.
This week’s top 5 housing market facts:
Telegraph shows extensive data supporting coming house value slide
https://www.telegraph.co.uk/gift/f0e08f86dd9d6cb9Zoopla glosses over lacklustre market with flat prices falling, demand 10% down on last year, and London supply up 14% https://assets.ctfassets.net/02vwvgr6spsr/1eDTZHeKo43ch4fFSTEi98/d0ab2b99a94839a80f2c7f04d9518861/Zoopla-House-Price-Index-January-2026.pdf
Home Builders Federation shills for more government money to prop up flailing sales, but there are compelling reasons it shouldn’t ever happen again. If they want government money, they should build social homes that the government pays for and owns. https://x.com/moving_charlie/status/2016443171216003572?s=20
Government spins £250 Ground Rent Cap as delivering leasehold reform, before it is delivered. But if they do deliver it in 2028, it’s big news, although it’s too much for freeholders and not enough for leaseholders https://x.com/moving_charlie/status/2016441120918495388?s=20
Government gives Landlords small reprieve, cuts landlord spending cap and pushes 2028 deadline to 2030, easing the cliff edge that was looming on rental supply https://www.nrla.org.uk/news/epc-c-government-cuts-landlord-spending-cap
Thought of the Week:
2026 Housing: it’s business, but not as usual
Averages. They make everything look as though it’s normal, but actually they cover up all the unusual things happening.
The national ‘average’ price doesn’t appear to be moving much in any direction, yet around the country (mostly in the south) we know there are major price movements in certain markets, mostly downwards.
Average transaction volumes also appear relatively ‘normal’ which is being misinterpreted by the usual property pundits as “everything’s fine”. But actually, transaction volumes in some markets are up, (eg FTB numbers are at a record) while in other areas, nothing is selling.
So, the national averages tell us that prices and transaction volumes are normal. But what’s happening out there on the street is anything but.
And the activity we are seeing is highly unusual, but average data is covering it up.
It’s like this: a busy rush hour is normal. But when the same number of people are rushing around in unusual directions, the number of people moving is normal, but why and where they’re moving is anything but - a bit like people rushing to get away from a forest fire approaching a town.
The mean conceals the extremes, but the extreme informs the mean, I heard someone say this week (I think it was Tim Ferriss) which struck a chord with me.
I wonder if that makes any sense at all. Have a great weekend everyone.
In case you missed anything this week…
How to get your low offer accepted in a buyers market
Q&A with Harry Scoffin on the government’s claimed progress
Most viewed post this week on X:
Most viewed video this week on TikTok:
@movinghomewithcharlie Buying a home to make money is a HUGE mistake.
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That’s all for this week!
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Have a great weekend, lots of love and luck to you all.
Charlie
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Talk to Charlie’s award-winning conveyancing partners hereBad (slow, inefficient, unhelpful) conveyancers will lose you your sale or purchase. Choosing a conveyancer that you’re sure is reliable and competent before you start your search for a home or agent, is crucial for lots of reasons. Make sure you choose a conveyancer that you’re certain won’t let you down. If you can’t find one, you can have a no-obligation conversation with Charlie’s hand picked conveyancing partners here. Charlie chose them because they never let clients down. | ![]() Simon David, boss of Thomas Legal |
Buyers: Get your Property Search Pack lined upThe number one cause of unnecessary delay in home transactions is delay in ordering the ‘Property Search Pack’ [link to search pack page] that’s required by all mortgage lenders before they will make their formal offer to allow you to proceed with your purchase. By offering to buy your search pack immediately if your offer is accepted, you’re showing your seller you’re serious and committed to the transaction. Sellers are more likely to accept an offer from you. Charlie’s Search Pack providers supply the fastest turnaround and the packs are fully compliant and can be used by any conveyancer. If they tell you otherwise, they’re not being straight with you. |
First Time Buyer ‘First and Final’ Offer Email Template
Charlie has prepared a free-to-use email template for buyers using a mortgage to make their offers to agents. It’s been used over 17,000 times and improves your chances of having your offer accepted, especially if you’re competing with other buyers or making a particularly low offer. Copy and paste the text, personalise it and send it. Never offer by phone! Get the template
Cash Offer Email Template
Charlie has drafter an offer email template for cash buyers which you can use for free. Never offer by phone. Avoid negotiations. Find it here.
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