Charlie's 5 Fact Friday Newsletter

The five facts hitting housing hardest in the last 7 days - 4 July 2025

Author

Charlie Lamdin
July 04, 2025 • Estimated Reading Time: 10 minutes

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.

We are doing things a little differently this week - there will be no live stream due to a family funeral. But, there’s still plenty to get your teeth into here. A lot of news this week!

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

1. Zoopla House Price Index shows low end price falls in last 3 months, in addition to high end prices falling year on year.
https://www.zoopla.co.uk/discover/property-news/house-price-index/

The key takeaway here is that new property listings are growing three times faster than new buyer enquiries. This is a leading indicator of the overall market tilting more in buyers favour, although with multiple exceptions based on region, property type and budget level. It’s worth taking a deeper dive, take a look, and check out my full video on this here:

It’s important to note the dramatic effect of the Stamp Duty increase on transaction volumes, causing a rush before the deadline, and a drop straight after. But taking that into account, these are disappointing numbers for the overall health of the market.

3. Household disposable income falls largest amount since 2023.

Important lead indicator of what’s happening to people’s budgets as the tax increases bite. This will be another downward pressure on house prices, if the trend continues.

4. Nationwide reports fastest house price falls since 2022 as they drop -0.8% in June
https://www.nationwidehousepriceindex.co.uk/reports/annual-house-price-growth-softens-in-june

After Rightmove and the ONS both reported falling prices in June, now Nationwide joins in. This got crazy headlines, which was weird because when the ONS released a -2.8% drop a week earlier, no one noticed. Here’s my video on that:

5. Rayner's plan to build 180,000 social homes in next decade doesn’t touch the sides of the problem
https://ground.news/article/rayner-to-back-plan-to-build-180-000-social-homes-in-next-decade

In the 1950s, the UK government was building more social homes than this EVERY YEAR. This is a platitude that doesn’t touch the sides.

Incase you missed anything this week:

Rant: Why the government will never fix housing. (Caution: expletives!)

Are house prices now crashing?

Sellers chances ruined by multiple overvaluing agents. Live Q&A!

Most viewed post this week on X:

Most viewed video this week on TikTok:

@movinghomewithcharlie

Zoopla's Warning to Home Sellers - FTB price drops. Watch the full length video on the MHWC YouTube channel.

That’s all for this week!

Thank you so much for subscribing. Please do give me any feedback you have by replying to this email.

Have a great weekend, lots of love and luck to you all.

Charlie

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Moving Home with Charlie is the most popular housing market podcast in the UK with over 75,000 followers across all platforms. Charlie’s unmatched 25 years of experience behind the scenes in the moving sector, and his brutal no-nonsense approach to debunking housing market propaganda, plus regular interviews with industry specialists has led to the show having over 7 million views.  It was nominated as Best Newcomer at the “Property Media Awards” and focuses exclusively on helping both buyers and sellers find and secure their next home, without overpaying. Charlie was also a judge at the Sunday Times Estate Agent of the Year awards and is a champion of that rare thing, a truly great estate agent.

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Talk to Charlie’s hand-picked, totally trusted independent mortgage brokers here.

Whenever a mortgage is involved in a move, it’s wisest to talk to someone who knows about all the options you have, not just the cheapest rate. Don’t get caught out with bad advice from untrustworthy brokers, always make sure you’ve chosen someone you really trust. If you’re having difficulty finding someone you completely trust, Charlie personally vouches for the brokers he works with as people who will put your long term interests first, helping you avoid the pitfall of bad advice from a broker who just wants their commission quick and leaves you hanging out to dry later down the line. Pop your details in here if you’d like a free initial conversation with Charlie’s brokers.

Talk to Charlie’s award-winning conveyancing partners here

Bad (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 up

The 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.

Estate Agent?

Charlie has been a supplier of technology, marketing and CRM systems to residential estate agents around the UK (and Australia) since 1999. Charlie is the biggest champion of good estate agents to the consumer, endlessly defending agency and highlighting the value and importance of what great agents do. He’s on a mission to wipe out bad estate agency (especially excessive overvaluing) and boost transaction volumes for everyone. Your properties are already listed free on bestagent.co.uk - why not activate your free ‘BackOffice’ account and be ready to get the highest quality mover leads you’ve ever had, and become part of the movement to help movers find superior agents who operate with integrity, always putting customers first.

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