Because the value of housing is a huge part of the wealth portfolio of so many households in the country, the sales market is never far from the headlines. In the last few weeks, there has been much speculation about the impact of the multitude of changes in factors that plausibly drive housing prices. These include interest rates, of course. As the ECB rapidly normalises its interest rates to stem inflation, there is an expected impact on demand. While tracker mortgage holders are affected straight away, recent borrowers are overwhelmingly on fixed rates, meaning their immediate exposure is more limited.…

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