📉 Is the UK housing bubble about to burst?
House prices have jumped 215% since 2000 — but behind the headlines, the real story is much darker.
In this video, I break down 3 WARNING SIGNS you need to know:
✔ Falling real house prices (adjusted for inflation)
✔ The growing gap between wages and property prices
✔ Why even the experts can’t agree on what’s happening next
I’m Will Gale — founder of British Homebuyers and British Homesellers — and with 14,000+ transactions behind me, I’m here to give you the truth about the UK property market.
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40 Comments
I learnt nothing from all that waffle. In summary,property prices will remain stagnant for the foreseeable future. 🤷♀️
Who knew!?
Anyone who lives through the 1990s!
I’m remortgaging in 2027 so this is fun 😌
What goes up must come down! Capitalism runs a bubble economy & the problem with bubbles? They burst!
"Experts" like yourself keep telling the bubble will burst 💥 for 10 years. But guess what, always on the next year, always in the near future. Guess what there will be always places which will be in high demand and there will be places which are not. Also UK is an island that limits place and add the uncontrolled migration. It isn't hard to see where it is going.
It should burst as house prices are out of most people's pocket nowadays. We bought a 3 bed semi detached new build with a driveway and garage in 2002 for £95,000
the phase since the financial crash of 07 is a consolidation if nothing else. the runaway growth is gone, and while expensive to buy, its not in bubble territory and thus unlikely to crash in any meaningful way.
So yeah, like everything, good property is expensive, and the UK as a country has become poorer – we just have been too stubborn to acknowledge it.
Time we do away with the socialism that is choking us and allow growth of the economy to make us rich again.
(btw, using average earnings is not that useful as a statistic as the average salary doesnt buy a house anymore. income inequality has worsened and essentially only thw top 20 or even top 10 percent own any assets.
those are the brackets you need to look at, and it looks much better for them than for the have nots.
When a "middle income" person cannot afford the absolute bottom end of the market within the bounds of prudent budgeting (i.e. without absolutely DESTROYING your finances or signing up for a FORTY FIVE YEAR mortgage), you know there's a big problem.
Here in S/W Wales property is totally stagnant! Properties have been on the market for months and sometimes a year (and really nice HGTV type homes) prices are falling, and nothing is moving. I believe it's the knock on effect from the closure of Port Talbot steel works, 2.8 thousand jobs from the plants gone, also having a knock on effect for everyone else's jobs, the cafe, coffee shops, pubs, shops, supermarkets, restaurants, theatre's etc etc nobody goes as they don't have the cash! Not helped by the simple fact that wages are still at the level they were in the 1990's! Wages need to reflect living in 2025!!! OK rant over!🤗
I guess I've wasted my time watching your vid then, huh 6:28
They might seem like going down. In reality it's money and buying power, and earnings went down. So buying one is almost impossible for the majority of people.
Give details us about the demographics and geography of demand, types of property AND availability of sensible mortgages.
… You are merely describing symptoms, not underlying causes.
… Btw: I would not even consider buying a new property owing to the poor quality of construction and difficulty of repair.
… Local advice has opined that new houses are only good for 30 years before serious repairs are required – like new cars !
… It’s a scam !
Now compare house prices vs M2 money supply and S&P vs M2 you have no idea how much that bursts the bubble on "house/S&P price increases"
Inflation is not the full picture when you compare house prices vs against M2 money supply you'll see the have not gone up at all EVER
Suppose with a house you have to factor in the rent you’re saving by owning. But hopefully more homes will be bought as homes and not investments.
Yaaaaaaaawwwwwn. How many times have we heard this before. When you have demand far outstripping supply, houses prices will never go down.
Liked the video. It confirmed what I suspected. Some sellers now (probably reluctantly) reducing their asking prices but a number of new sellers still thinking they are living in 2021! My RightMove alert email today; 14 listings, of which 6 reductions and two have clearly re-listed with another agent for the same price. Face palm.
In March 2025, the Consumer Prices Index including owner occupiers' housing costs (CPIH) in the UK rose by 3.4% compared to the previous year, according to the Office for National Statistics. This represents a slight decrease from the 3.7% increase seen in Febru
It's called asset stealing by the bankers Apparently….
They'll give you a mortgage (not ever lending any money cuz they don't have any) as soon as you sign saying you'll give them x amount you've agreed to give them the house…
Then when the bubble gets big enough (they've scammed enough peasants into signing) they'll push interest rates through the roof (print a dump load more fake money) and those that could barely afford the mortgage loose everything… Bankers have stolen your asset.. at least that's what I can gather from lots of reading on the subject
We also had MIRAS – we paid our UK mortgages out of our gross pay.
Worse still is that real inflation is far higher than official rates. Inflation is a tax that destroys wealth unless you are one of the elite protected from it's effects.
Priced in gold they've not recovered since 2008.
Another doom merchant!…not the first to sell the big bubble about to pop.adjusted for inflation blah blah….INFLATION REDUCES EVERYTHING.
One massive problem is if every spare penny is spent on the mortgage there is nothing left for going out, buying furniture, buying a new kitchen or anything else. This affects jobs and shops shutting in the high street.
They need to leave something for from your salary for this. Greed.
It’s sick. How far out of London do you have to go to get an affordable house and than all you investor types jump on it.
Eventually we will hit the sea. People commuting from Chelmsford and even Colchester. Not very green.
Now even these areas are becoming out of reach. My kids can’t leave!
I bought a flat in central London in 2000. Still worth the same money in nominal terms!!!…..of course Rightmove tells me it should have increased by 200% like the Office of National Statistics. Lovely flat in great and desirable location and good conditions nothing wrong with it. Foxton has been marketing at +200% but has not sold….no surprise! If you want to sell you need to price at about the same price than 2000 when it was sold new. Statistics do not includes cash buyers, repossessions etc…..
Personally, I feel that private landlords (sometimes cash buyers,) are a big part of the housing issue as they are still seeking wealth from property, but through maximised immediate returns (naturally) rather than long term capital gain (a bonus outside of prime areas). The downside of this is the glut of private (relatively short term) rental homes is destroying communities as dwellers often have no investment in the community, maintenance is a last resort, and areas deteriorate for all. These properties are also off of the sales market and not available for first time buyers meaning demand stays high or prices are out of reach for those at the bottom. While it has been good for many individuals the last decade has seen an unprecedented number of BTL purchases that have skewed the housing market/ladder for the worse overall. The bottom rung of the ladder is being chopped away. Interest rate rises have had limited impact. Just my opinion…
Good to hear! So much money being drained from the economy via rent payments to the undeserving rich. Time for landlords to find something more lucrative to satiate their greed.
My property is not making me any profit. It is just a place to live and it has its expenses. That is it. I was never convinced the house people to by in is an investment
3:57 Could this be distorted by the fact that housing is a major component of (CPI) inflation numbers?
Wondering if the charts would change if we corrected for that.
I've lived this narrative for 20+ years. Every few years, people talk about the housing bubble bursting. It never happens. 10%, 20% isn't really relevant to people other than investors. We'd need housing to drop 50% for it to actually make a difference for anyone on average wages, but that will never happen. If housing ever became 'affordable' again, the super-rich would just buy it all up. When you are governed by million and billionaires the average person just isn't going to be served. We need real change in the UK and the current crop just isn't going to change a system they all profit from.
In our area properties are already down 10% hopefully we get a bigger drop
The fact of the matter is, it's still rising, more than our wages. Either you get in or get left behind.
People have been spreading fear of a drop for years. It's not going to happen. In real terms prices have dropped vs inflation so the sticker price is not coming down.
Epsom in the South East, we just accepted an offer on our 3bed semi for just under £600k. To make the jump to a decent 4 bed detached, Estate Agents in this area want an additional £750k incl SDLT!!!. It doesn't work, we will likely not move. Have estate agents ever saved any money to know how long it takes???!!!
Nearly every London flat on RightMove is reduced. And every ‘Expert’ claims that house prices are still rising. Because every ‘expert’ like KnightFrank is invested in the market carrying on rising. But if you watch an area fir long enough you can see that in previously popular areas they are not achieving their valuation – not even close. And many are taking years not months to sell. It’s just that no ‘expert’ wants to breathe oxygen into this monster. But that doesn’t mean that a crash isn’t likely.
CPI print up to 3.5% YOY. 10y yields will accordingly go higher.
I won't say 'told you so'.
Don't believe what these Keynesian idiots keep telling you :-/
When housing association buys up every affordable house that comes to the market then rents out for £1200+ a month. And average wage is £15/25,000
I was quite interested in this video until I saw how they spelt destroy in the caption.
Wealth hoarding needs more scrutiny
I bought in 2018 – and knew there was no way I’d get the same growth people had gotten over the last 30/40 years.