At the 10th edition of Banking on the Future, top property industry leaders gathered to discuss the state of the UK housing market...

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Overcoming housing supply 

With a government target of 1.5 million new homes, experts highlighted significant obstacles, including a 40% drop in housing output and a decline in first-time buyers due to limited mortgage options. In London, construction starts are down 70% from the 10-year average, but industry leaders remain optimistic that policy changes and collaboration can drive recovery.

Keeping London competitive

London’s ability to attract high-net-worth individuals and businesses is key to its growth. Experts stressed the need for tax incentives, business-friendly policies, and AI-driven innovation to keep London a top global destination.

Bridging the affordability gap

With rising costs limiting affordable housing development, experts called for more efficient government funding, mortgage accessibility, and policy updates to help middle-income buyers. Supporting smaller developers and simplifying regulations were highlighted as key solutions.

The path forward

Despite challenges, the outlook for London remains strong. Industry leaders emphasised the need for immediate, practical action to ensure the housing market thrives for all. As one expert put it: “The time for discussion is over—it’s time to act.”