2025年12月,由于季节性,抵押活动下降,但重新抵押的激增和利率保持稳定。 Mortgage activity fell in December 2025 due to seasonality, but remortgaging surged and rates held steady.

由于季节性因素,2025年12月的抵押市场活动每月下降,搜索总数下降22.6%,但仍比2024年12月高出10.75%。 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. 在利率变动的推动下,还押率逐年猛增29.31%,而第一次买家搜索从11月起下降了24.93%,年增长率仅为0.78%。 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. 采购活动减少,非第一次买家每年搜索率下降3.36%。 Purchase activity dipped, with non-first-time buyer searches down 3.36% annually. 逐月买入搜索下降23.06%,但同比上升7.35%。 Buy-to-let searches dropped 23.06% monthly but were up 7.35% year-on-year. 利率锁定量每月增加2%,每年增加30%,由再融资带动,占锁数的37%。 Rate-lock volume rose 2% monthly and 30% annually, led by refinances, which accounted for 37% of locks. 30年固定利率保持在6.14%,按揭服务权价值上升。 The 30-year fixed rate held at 6.14%, and mortgage servicing rights values increased. 非QM数量创历史新高的9%,投资者参与增长,到年底时有12个活跃投资者。 Non-QM volume hit a record 9%, and investor participation grew, with 12 active investors by year-end.