2025年12月,由于季节性,抵押活动减少,但重新抵押激增,利率稳定。 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月按揭市场活动逐月减少,搜索总数减少22.6%,但仍比2024年12月高出10.75%。 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. 由于利率变化,还押率逐年增加29.31%,而第一次买主搜索比11月减少24.93%,每年仅增加0.78%。 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. 购买活动下降,非第一次寻找买主每年减少3.36%。 Purchase activity declined, with a 3.36% yearly decline in non-first-time buyer searches. 买到单搜索每年增加7.35%,但每月减少23.06%。 Buy-to-let searches increased 7.35% annually but decreased 23.06% monthly. 重新融资占锁数的37%,使利率锁定量每月增加2%,每年增加30%。 Refinances, which made up 37% of locks, drove a 2% monthly and 30% annual increase in rate-lock volume. 抵押服务权利价值上升,而30年固定利率保持在6.14%。 Mortgage servicing rights values rose while the 30-year fixed rate remained at 6.14%. 到年底,有12个活跃投资者,非QM量达到创纪录的9%。 By year's end, there were 12 active investors, and non-QM volume reached a record 9%.