The latest Rightmove House Price Index shows that UK house prices remained virtually unchanged in February 2026 with the average asking price of newly listed homes standing at £368,019. While this may appear to signal a slowing market, the underlying data suggests something very different especially for property investors looking to secure opportunities in the current cycle.
At My Property Group, we analyse market trends through an investment lens. Here’s what the latest figures really mean for investors and why 2026 could present one of the most strategic buying environments in recent years.
UK House Price Trends 2026: Stability Signals Opportunity
Despite even prices in February, asking prices have risen by 2.8% since December marking the strongest start to a year for UK house prices since 2020.
For property investors, a stable market often creates stronger entry points than rapid price growth.
When house prices stabilise:
- Sellers become more realistic on pricing.
- Negotiation opportunities increase.
- Investors can focus on yield and long-term strategy rather than short-term competition.
Rather than a slowdown, current market conditions indicate a phase of recalibration following early-year confidence returning after budget uncertainty.
Is 2026 a Good Time to Invest in UK Property?
One of the most significant insights from the Rightmove study is the improvement in affordability across the UK housing market, a key factor driving investor confidence.
Key indicators include:
- Average two-year fixed mortgage rates fell to around 4.28%, down from 4.96% a year ago.
- Average earnings rising by 4.7% year-on-year, outpacing recent property price growth.
- Lenders offer more flexible borrowing options and higher income multiples.
For investors, improved affordability doesn’t just benefit buyers; it supports future resale demand, tenant stability and long-term asset performance.
More Homes on the Market Creates a Stronger Buying Window
The Rightmove report highlights that the number of homes for sale is currently at an 11-year high for this time of year. Increased housing supply is often viewed negatively in mainstream headlines but for property investors it can be highly advantageous.
Higher stock levels mean:
- Greater choice across different asset types.
- Reduced competition compared with peak market periods.
- Increased ability to negotiate on price and terms.
This environment particularly benefits investors targeting HMOs, refurbishment projects or off-market opportunities where strategic sourcing can create long-term value.
Mortgage Rates and Lending Conditions: A Key Signal for Investors
Mortgage affordability continues to improve with rates remaining close to their lowest levels since the 2022 mini-budget.
Lower borrowing costs influence investor behaviour in several ways:
- Improved cash flow on leveraged investments.
- Increased buyer demand, supporting market liquidity.
- Greater access to refinancing opportunities.
For investors using bridging finance or commercial strategies, stable rates provide additional confidence when planning medium-term to long-term projects.
What the February 2026 Housing Market means for Property Investment Strategy
From an investment perspective, the latest data points towards a market driven by fundamentals rather than speculation.
Key trends investors should be watching include:
1. Negotiation Power is Returning
With increased housing supply, investors have more leverage to structure deals effectively.
2. Market Confidence is Rebuilding
Buyer sentiment improved significantly after early-year uncertainty, supporting transaction activity.
3. Strategy Matters More Than Timing
Instead of chasing rapid appreciation, investors are likely to benefit most from current conditions when they focus on the following:
- High-yield assets
- Value-add refurbishments
- Off-market acquisitions
My Property Group’s outlook for the UK property market in 2026
Based on the latest Rightmove data and wider market trends, we believe 2026 presents a strategic window for investors.
Stable pricing, improving affordability and increased stock levels are creating an environment where disciplined investors can secure strong long-term opportunities particularly through private sourcing networks and off-market acquisitions.
While headline figures suggest a quiet month, the underlying market fundamentals remain positive for those positioned correctly.