ONS house prices by region, real lending rates from FCA returns, and calculators to see what a purchase would actually cost you.
Latest ONS monthly figures.
Compares local prices to earnings and rents (illustrative, derived from ONS & FCA data — demo districts: SW1, EC1, RH1, M1).
Standard repayment mortgage, interest compounded monthly.
Average rates on new lending, from the FCA's Mortgage Lending & Administration Return.
| Loan-to-value | Type | Avg rate | Loans in period |
|---|---|---|---|
| 75-80% | Fixed | 5.24% | 45,000 |
| 75-80% | Variable | 4.89% | 12,000 |
| 80-85% | Fixed | 5.45% | 32,000 |
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