住宅ローン活動は季節性により2025年12月に減少したが,再抵当は急増し,利率は安定した. Mortgage activity fell in December 2025 due to seasonality, but remortgaging surged and rates held steady.

2025年12月の住宅ローン市場の活動は季節的要因により月比で減少し,検索総数は22.6%減少したが,2024年12月より10.75%高いままだった. Mortgage market activity in December 2025 declined month-on-month due to seasonal factors, with total searches down 22.6%, yet remained 10.75% higher than December 2024. 再ローンは金利変動により前年比29.31%急増し、初めての住宅購入者検索は11月比で24.93%減少し、年間成長率はわずか0.78%にとどまりました。 Remortgaging surged 29.31% year-on-year, driven by shifting interest rates, while first-time buyer searches fell 24.93% from November and showed only 0.78% annual growth. 購入活動が減り,非初代購入者の検索は年間3.36%減少した. Purchase activity dipped, with non-first-time buyer searches down 3.36% annually. 買い物・賃貸の検索は 月間23.06%減少したが,前年比7.35%増加した. Buy-to-let searches dropped 23.06% monthly but were up 7.35% year-on-year. 利率-ロック量は毎月2%と30%上昇し,その原因は再補数で37%のロックが確認されている. Rate-lock volume rose 2% monthly and 30% annually, led by refinances, which accounted for 37% of locks. 6.14%に掲げる30年間の固定金利と,不動産取引権権の額が増加した. The 30-year fixed rate held at 6.14%, and mortgage servicing rights values increased. 非QM音量はレコード9%をヒットし、投資家の参加は増加し、12人の積極的な投資家が年末までに増加した. Non-QM volume hit a record 9%, and investor participation grew, with 12 active investors by year-end.