Bank of England data showed net mortgage borrowing falling to £4.3bn in July, down from £7.7bn in June and below the previous six-month average of £5.3bn. Meanwhile, Nationwide reported annual UK house-price growth of 1.6% in August, with prices up 0.2% month on month.
The combination suggests a market that is active but measured: borrowers may be waiting for greater rate certainty, while subdued price growth limits assumptions about rapid capital appreciation. AI forecasting and CRM analytics can help advisers segment clients by remortgage date, affordability risk and property-market exposure, but outputs should be treated as decision support rather than predictions of rates or house prices.