Mortgage Rate Predictions 2025 Uk. Andrew bailey, governor of the bank of england, suggests there could be. House prices to rise in 2025 as buyers could get bigger mortgages if the base rate falls to 3.5% next year, mortgage borrowers could find themselves able to borrow up to 18%.

With rate and cost pressures continuing to ease, the outlook for 2025 is for a gradual improvement in mortgage affordability, feeding into market growth. Rightmove predicts that new seller asking prices will rise by 4% in 2025, with forecast mortgage rate drops set to further improve affordability and stimulate market activity.