The housing market has felt a little like the wild west over the last year with tales of fierce competition, outbidding and gazumping as people flocked to the countryside in the second year of the pandemic. For those hoping to buy and sell this year and next, it seems things will be calmer than the feeding frenzy of 2021.

2021 was a bumper year for mortgage lending – the highest since before the financial crisis. This year however, we’re expecting to see fewer homemovers and a return to a more stable and balanced picture. The fact that there is no longer any stamp duty holiday means the demand to move home will be slightly softer in the year ahead.