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Annual house price growth hits double digits, says Nationwide | Annual house price growth hits double digits, says Nationwide |
(about 3 hours later) | |
Annual house price growth in the UK has hit double digits for the first time in four years, the Nationwide has said. | Annual house price growth in the UK has hit double digits for the first time in four years, the Nationwide has said. |
In the year to April, prices rose by 10.9%, the first annual double-digit growth since April 2010 and the fastest rate since June 2007. | In the year to April, prices rose by 10.9%, the first annual double-digit growth since April 2010 and the fastest rate since June 2007. |
The news may scotch other suggestions that the housing market has been cooling over the last few months. | The news may scotch other suggestions that the housing market has been cooling over the last few months. |
This week the Land Registry - which records actual sales - said prices fell by 0.4% in March. | This week the Land Registry - which records actual sales - said prices fell by 0.4% in March. |
But the Nationwide believes prices have now resumed their upward trend. | But the Nationwide believes prices have now resumed their upward trend. |
"After several months of moderation, the pace of house price growth picked up in April, with prices rising by 1.2% during the month," said Robert Gardner, Nationwide's chief economist. | "After several months of moderation, the pace of house price growth picked up in April, with prices rising by 1.2% during the month," said Robert Gardner, Nationwide's chief economist. |
Nationwide said the average UK house price now stood at £183,577. | Nationwide said the average UK house price now stood at £183,577. |
New rules | New rules |
Once again, the figures hide a sharp contrast between London and the rest of the UK. | Once again, the figures hide a sharp contrast between London and the rest of the UK. |
Prices in the capital are now about 20% higher than they were before the financial crisis of 2007-08, said the Nationwide. | Prices in the capital are now about 20% higher than they were before the financial crisis of 2007-08, said the Nationwide. |
But prices in the rest of the country are still around 2% lower than their pre-crisis peak. | But prices in the rest of the country are still around 2% lower than their pre-crisis peak. |
Some experts believe prices might once again moderate over the next few months, following the Mortgage Market Review by the Financial Conduct Authority. | Some experts believe prices might once again moderate over the next few months, following the Mortgage Market Review by the Financial Conduct Authority. |
This imposes stricter rules on lending, with borrowers facing a series of stringent questions about their spending habits. | This imposes stricter rules on lending, with borrowers facing a series of stringent questions about their spending habits. |
People for whom a mortgage is judged to be unaffordable may be refused a loan altogether. | People for whom a mortgage is judged to be unaffordable may be refused a loan altogether. |
"However, underlying demand is likely to remain robust, as mortgage rates remain close to all-time lows, and as consumer confidence improves further," said Mr Gardner. | "However, underlying demand is likely to remain robust, as mortgage rates remain close to all-time lows, and as consumer confidence improves further," said Mr Gardner. |
'New Home Zones' | 'New Home Zones' |
Meanwhile, a separate report claims that house prices in England could double over the next 10 years. | Meanwhile, a separate report claims that house prices in England could double over the next 10 years. |
Average prices could hit £446,000 by 2024, said the study by accountancy firm KPMG and the housing charity Shelter. | Average prices could hit £446,000 by 2024, said the study by accountancy firm KPMG and the housing charity Shelter. |
The report also says that by 2040 more than half of 20 to 34 year-olds will still be living with their parents, if current trends continue. | |
"For many people, particularly those in their twenties, the aspiration of owning their own 'castle' is fast becoming a fairy tale," said Marianne Fallon, UK head of corporate affairs at KPMG. | "For many people, particularly those in their twenties, the aspiration of owning their own 'castle' is fast becoming a fairy tale," said Marianne Fallon, UK head of corporate affairs at KPMG. |
"We also know, as an employer of 12,000 people, that an unstable housing market affects our ability to attract and retain talent," she said. | "We also know, as an employer of 12,000 people, that an unstable housing market affects our ability to attract and retain talent," she said. |
The report calls on the next government to boost the supply of affordable housing. | The report calls on the next government to boost the supply of affordable housing. |
Among the measures it recommends are the setting up of "New Home Zones", which would be self-financed by rising land values. | Among the measures it recommends are the setting up of "New Home Zones", which would be self-financed by rising land values. |
It also suggests the setting up of a National Housing Investment Bank to issue loans for housing providers. | |
Are you currently buying a house? Do you work in the property business? Email us at haveyoursay@bbc.co.uk adding 'Housing market' in the subject heading and including your contact details. |