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PROPERTY LADDER

What downturn? House price growth has hit its highest level since October last year

The UK's average house price now sits at £222,293, after rising by 1.1 per cent last month

HOUSE prices jumped in August at the fastest pace this year, adding to signs that the housing marking is regaining strength.

House prices increased 1.1 per cent from July, the biggest one-month rise since December and building on July's 0.7 percent increase, Halifax said.

 House prices have grown massively over the past decade but there has been a downturn in house price growth due to Brexit uncertainty
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House prices have grown massively over the past decade but there has been a downturn in house price growth due to Brexit uncertaintyCredit: Getty - Contributor

The UK's biggest mortgage lender found that annual house price growth also went up to 2.6 per cent from 2.1 per cent in July.

The UK's average house price now sits at £222,293, after rising by 1.1 per cent last month.

House prices have grown massively over the past decade but the market has seen a slight downturn recently thanks to Brexit uncertainty.

"Recent figures for mortgage approvals suggest some buoyancy may be returning, possibly on the back of strong recent employment growth, with the unemployment rate falling to a 42-year low," said Russell Galley, managing director of Halifax Community Bank.

But he warned that falling wage growth, when adjusted for inflation, would limit the affordability of houses for some buyers.

What does this mean for house prices now?

The data from Halifax is one of many house price indexes. It shows that housing market has defied the usual slower summer trends to show strong growth on a monthly and annual basis.

This means we may see some degree of normality returning to the market, as house prices continue to grow.

While continued growth is good for homeowners, it might not be good for those trying to get on the ladder.

 How house prices have changed over the last year
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How house prices have changed over the last yearCredit: Halifax

Jeff Knight, director of marketing at Foundation Home Loans, said: "Continued growth will be good news for some homeowners, but may hinder a move up the ladder for others."

"It will also increase deposit sizes for first-time buyers, who are seeing deposits eroded with more challenging inflation versus low deposit rates."


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One of the other struggles for the housing market, which is impacting on house prices, is the number of homes for sale.

This has dropped over the last few years and could also have an impact on prices in the near future.

 How the number of homes for sale have dropped
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How the number of homes for sale have droppedCredit: Rics

And other experts have warned that this and the fact that lenders are ditching low mortgage rates could also cause growth to slowdown.

Jeremy Leaf, north London estate agent and former RICS residential chairman, said: "‘The short-term impact of Brexit on the housing market was probably overestimated but the longer term effects may have been underestimated.

"But, now that the government is negotiating the UK’s exit from the EU, further uncertainty seems inevitable until the final outcome becomes clearer."



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