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UK Property Market Bulletin: Intergenerational Shifts, London Trends & Investment Insights

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  1. Intergenerational Wealth and Mobility: New research shows that the UK’s housing boom benefited not just homeowners, but also their children, who now enjoy greater financial assets and career opportunities—especially if their families could help them move to London. The effect, however, is much stronger for sons than daughters, further widening the gender gap.
  2. Housing Market Downturn and Inequality: The London housing market is facing unique pressures: values are falling—particularly in prime areas—while changes to tax policy, service charges, and broader economic uncertainty are pushing more people to sell or leave. Property wealth is now a major driver of inequality, shaping both homeownership and professional success.
  3. The Pension and Homeownership Link: Traditionally treated as separate policies, pensions and homeownership are now intertwined. As homeownership rates drop and retirement costs rise, the challenge for younger generations intensifies. Other countries, like New Zealand and Singapore, offer models where pensions can be used to support first-time buyers, sparking debate about how the UK might respond.
  4. Prime Rentals and Regional Trends: Prime rental rates are soaring in South West London, thanks to strong local demand, good schools, and transport links. Meanwhile, the rental market is also tight in regional commuter hubs, with supply shortages and shifting landlord sentiment due to policy changes.
  5. Office Space and Commercial Demand: There’s a dramatic shift underway in commercial real estate: offices are once again the most sought-after asset nationwide, but in London, oversupply and high expectations mean only the best-designed, future-proof buildings are attracting serious attention.


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