Hmmm..
There’s growing speculation around the UK property market. Rising interest rates, cost-of-living pressures, and slower buyer activity have led many to ask: are we on the verge of a crash?
I recently listened to Simon Zutshi, property educator and founder of the Property Investors Network, who argues otherwise. In his recent breakdown of the UK market, he suggests that the current situation is better viewed as a correction, not a collapse.
Supply, Demand, and Long-Term Trends
Yes, prices have dipped in some areas. Sellers are more flexible. But with a chronic housing shortage and no realistic way to build 300,000+ homes per year (as promised by government manifestos), the long-term fundamentals remain strong.
Zutshi reminds us that crashes tend to happen when supply far outstrips demand. That’s not the case here. Demand is still high. The real issue is affordability and short-term uncertainty, not a collapse in value.
Timing the Market Is a Myth
Waiting for the “perfect” time to buy rarely works, and by the time everyone agrees we’ve hit the bottom, sellers stop selling, and the best deals vanish. The right time to buy is usually while the market is soft and uncertainty is high.
How to Navigate the Market Now
Zutshi outlines five timeless principles for property investors:
- Work with motivated sellers
- Invest only where rental demand is strong
- Ensure every deal generates positive cashflow
- Hold for the long term
- Keep a cash buffer for unexpected costs
Following these rules helps reduce risk—regardless of market sentiment.
Lessons Beyond Property
My key takeaway? Uncertainty breeds opportunity. The property landscape is always shifting. That’s not a reason to panic, it’s a reason to stay educated, stay ready, and adapt.
And that applies beyond property. Whether you're investing, working, or building a business, markets or jobs, conditions change.
Those who adapt, survive. Those who prepare, thrive....
Is the UK Housing Market About to Crash?