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

季節的な要因により,住宅ローン市場の活動は2025年12月に月比で減少し,検索件数は22.6%減少したが,それでも2024年12月より10.75%高かった. Due to seasonal factors, mortgage market activity decreased month over month in December 2025, with a 22.6% decrease in total searches, but it was still 10.75% higher than December 2024. 利息率が変化したため,再投資は年度29.31%増加し,11月から初回の買い手検索は24.93%減少し,年度 0.78%増加した. Due to changing interest rates, remortgaging increased by 29.31% year over year, while first-time buyer searches decreased by 24.93% from November and only increased by 0.78% annually. 買取活動は減少し,初回の買い手捜索で毎年3.36%減少した. Purchase activity declined, with a 3.36% yearly decline in non-first-time buyer searches. 購入から賃貸の検索は年間7.35%増加したが,月間23.06%減少した. Buy-to-let searches increased 7.35% annually but decreased 23.06% monthly. 借り換えはロックの37%を占め、レートロック取引量は月間2%、年率30%の増加をもたらしました。 Refinances, which made up 37% of locks, drove a 2% monthly and 30% annual increase in rate-lock volume. 住宅ローンのサービス権の価値は上昇し,30年期固定利率は6.14%にとどまった. Mortgage servicing rights values rose while the 30-year fixed rate remained at 6.14%. 年末には12人の積極的な投資家がおり,非QM量が9%の実績に達した. By year's end, there were 12 active investors, and non-QM volume reached a record 9%.