How much more will house prices 落ちる in the UK?

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House prices have fallen at the fastest pace in the last 12 months since 2009, the?最新の 全国的な data shows.

Now, the question on the lips of homeowners and house hunters is after years of runaway price growth ? where will they 長，率いる next?

専門家s agree that mortgage 率s settling at far higher levels than seen in the last １０年間 has been a 抱擁する factor for £14,600 存在 wiped off a typical home in the last year.

So, where do they think they will 長，率いる next ? and why? This is Money speaks to seven insiders to 計器 their 見解（をとる）.

予測（する）s: We asked 専門家s how much they 予報する house prices to 落ちる

Craig Fis h, director at Lodestone Mortgages and 保護, says:?House prices are going to continue to 減少（する） over the coming months, and on the basis that most data we see is historic, the data may 示唆する that prices are still 落ちるing even at the point that they begin to stagnate before rising again.?

減少（する）s of 15-20 per cent from 頂点（に達する） to 気圧の谷 could be seen.?

Data is also 現在／一般に 示唆するing that we may see 非，不，無 or one more 増加する in the base 率 before levelling off, and 潜在的に starting to 減少（する） 支援する from March or April next year.?

This may be when we see 所有物／資産／財産 prices stagnate before 回復するing に向かって the end of 2024.

Riz Malik, 創立者 and director at R3 Mortgages, says:?You could see a 落ちる in house prices by up to 10 per cent this year.?

The 準備／条項s in the?Mortgage 借り切る／憲章 will support the market at least until June 2024.?

Prices are ありそうもない to rise until there is either 政府 support, or a 減少（する） in 率s followed by green shoots in the economy.

Graham Cox, founder at Self 雇うd Mortgage 中心, says:?With mortgage ネズミ es likely to remain above 5 per cent for the next six to 12 months, it's やめる possible we could see a 頂点（に達する）-to-気圧の谷 落ちる in house prices of over 20 per cent.?

Adjusted for インフレーション, perhaps 30 per cent, with the 底（に届く） 攻撃する，衝突する いつか in 2025.

Denni Tyson, mortgage 仲買人 at Henchurch 小道／航路 財政上の Services, says:?House prices will certainly 落ちる 予定 to the banks 持つ／拘留するing 会社／堅い on 利益／興味 率s and 原因（となる）ing homeowners and 見込みのある 買い手s to remain 用心深い.?

支配する to the next インフレーション data, a house price 落ちる of 20 per cent is possible 予定 to the sheer rise in 利益／興味 率s since December 2021.?

In 尊敬（する）・点 to when they may rise again, if 利益／興味 率s are in the 地域 of 4.5 per cent-加える, we could 井戸／弁護士席 see house prices remain 沈滞した with no such rise, 予定 to the 利益／興味 率s that are 存在 marketed by 貸す人s.

Ross McMillan, owner and mortgage 助言者 at Blue Fish Mortgage 解答s, says:?Many had 予報するd 10 per cent 全国的な 減少（する）s by the end of this year, and with this most 最近の data, it seems likely that may 井戸／弁護士席 be where we are 長，率いるing in the 近づく 称する，呼ぶ／期間／用語.

There are - as always - 抱擁する discrepancies across 地域s, and Scotland so far is seemingly 持つ／拘留するing up better than many other areas of the UK.?

But 明確に nowhere is 免疫の, and there could be some scary numbers coming for homeowners as we approach the year-end.

With 率s 徐々に 減ずるing, however, and inflationary 圧力s hopefully receding, I would 推定する／予想する flat rather than 落ちるing house prices for the 大多数 of next year.?

Given the 劇の 不足 of 住宅 在庫／株 in comparison to even 意味ありげに 減ずるd 買い手 需要・要求する, prices may likely begin to rise again 速く 地位，任命する any General 選挙 in 2024.

負かす／撃墜する: 全国的な's data today showed an 年次の 落ちる in house prices?

Jeremy Leaf, north London 広い地所 スパイ／執行官 and a former RICS 居住の chairman, says:?It is always difficult to say when you are at the 底（に届く） (or indeed the 最高の，を越す) of any 住宅 market cycle until you have the 利益 of hindsight.?

We have seen plenty of highs and lows, but 現在／一般に the market is bumping along 公正に／かなり 終始一貫して.

Any その上の 落ちるs in pricing are likely to be 誘発するd by その上の 利益／興味 and mortgage 率 引き上げ（る）s, which are factored in not just by the 財政上の markets but most 買い手s and 販売人s.

Cash 買い手s are more 支配的な in the market as house prices continue to be supported by a 不足 of 在庫／株 and より小数の, but more serious, 買い手s as part of a two-tier market.?

This is why we don't 推定する／予想する to see a house-price 衝突，墜落, even if prices do 軟化する その上の.

It is incredibly difficult to 予報する what will happen with house prices because markets can change so quickly ーに関して／ーの点でs of 需要・要求する and types of 供給（する）, which 影響（力）s prices.?

The market is showing かなりの resilience but if there is a low point it will probably be after the usual autumn uplift, maybe around November or December.

Stephen Perkins, managing director at Yellow Brick Mortgages, says:??This morning's data was a more 激烈な 拒絶する／低下する than 推定する／予想するd, with the bruises and swelling starting to show from the repeated （警官の）巡回区域，受持ち区域ing dished out by the Bank of England over the last 12 months.?

If i was the 所有物／資産／財産 market's trainer, I'd throw in the towel and ask the 審判（をする） to end the fight.?

With another planned 率 rise in a few weeks, 推定する／予想する 需要・要求する to continue to 落ちる and houses prices with it. This is just the start of the slide, still a long way to reach the 底（に届く）.

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