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April 21, 2026
Our latest research reveals what is really happening in Britain’s housing market. High costs remain the biggest barrier to moving home in the UK, with nearly three-quarters (74%) of homeowners citing financial pressures such as mortgage rates, deposit requirements and stamp duty.
When asked what would make it easier to move home:
For aspiring first-time buyers, affordability remains the biggest hurdle. Lower deposit requirements (42%) and lower mortgage rates (39%) are the most commonly cited factors that would help them onto the housing ladder. One in five (19%) say more targeted savings products, such as Lifetime ISAs, would support their journey to homeownership.
Homeowners aged 55 and over are particularly focused on the availability of suitable homes and inefficiencies in the process. Around a third (32%) say a better supply of later-life housing, such as bungalows, would encourage them to move, compared with 27% of homeowners overall.
This group is also more likely to highlight issues with the buying and selling process. Nearly three in ten (29%) say making transactions legally binding earlier would help, compared with just 14% of homeowners under 35. Leasehold reform is another key issue, cited by 22% of older homeowners versus 17% of homeowners overall.
Paula Higgins, CEO of HomeOwners Alliance says:
“The message from homeowners is clear: moving home in Britain can feel too expensive, too slow and too stressful. But even in a challenging market, it is still possible to move – and for many people, it’s about making the decision that’s right for you and your circumstances.
Whether you’re upsizing, downsizing or buying for the first time, there are ways to navigate the system and make it work. At HomeOwners Alliance, we’re here to help people cut through the complexity, understand their options and move forward with confidence.
At the same time, there’s no question the system needs to improve. Tackling affordability, addressing stamp duty and fixing the broken buying process will make it easier for everyone to move when the time is right.”
We already know older homeowners want more bungalows, but this research also shows growing concern about leasehold. Many have spent their lives in freehold homes and are understandably wary of downsizing into properties with added costs, complexity and restrictions. The government now needs to get on with leasehold reform to give homeowners confidence in flats and ensure this vital part of the housing market continues to work for everyone.”
METHODOLOGY
This is our 10th annual Homeowner Survey. The latest research was conducted by Opinium on behalf of HomeOwners Alliance surveying a nationally representative sample of 2,000 UK adults aged 18+ between 13- 18 February 2026 including 1,233 homeowners and 554 aspiring homeowners.
Budget for the cost of moving up-front: The cost of moving house isn’t cheap. In 2026, the average cost of moving is £13,018 based on buying and selling an averagely priced house in the UK of £292,000. These costs can be higher or lower depending on the value of your property and whether you are just buying, just selling or buying and selling. Use our simple cost of moving calculator to help you budget.
Be savvy about your mortgage options: If you are a first time buyer, consider how the deposit you have available can affect the cost of your mortgage and how much you can borrow. See our first time mortgages guide.
Compare mortgage deals: Even a small difference in your mortgage rate can add up to thousands over the lifetime of a loan – but it’s not the only figure to consider in deciding the right deal for you. Compare today’s mortgage deals, then let a fee-free expert do the heavy lifting of working out the total costs for you.
Compare conveyancing quotes: Once you make or accept an offer, you will need to instruct a conveyancing solicitor. If you’re moving house, the average conveyancing solicitor bill is £2,380. But you could save by using our compare conveyancing quotes service. Our users save on average £490.
Book your surveyor direct: A survey can save you money in the long run, but you don’t want to overpay for it. Get instant house survey quotes from qualified surveyors working in your area. By comparing quotes and booking directly, you will have the best chance of getting the best price on your survey.
Protect yourself from the risk of a failed property purchase: 1 in 3 house sales fall through. If this happens to you, you could lose thousands in fees. Homebuyer protection insurance can cover costs like mortgage fees, conveyancing and surveys.
Cut Your Estate Agent Fees: If you’re selling, remember to negotiate the estate agent fees. Even a small reduction in commission can add up to thousands saved once your property is sold. Here’s how to negotiate a better deal on your estate agent commission.
Plan your removals early – compare quotes to save: The average UK removals cost is £928 for a three bedroom house. While the price varies depending on how much you’re moving and where you’re moving, you could save over £250 by using our removal quote comparison service.
For advice on all your mortgage options, speak to a fee free mortgage broker:
Get fee free mortgage advice from our partners at L&C. Use the online mortgage finder or speak to an advisor today.
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