The average price of a house in the UK has surpassed £300,000 for the first time, according to the country's largest mortgage lender.

英国最大抵押贷款机构数据显示，该国房屋平均价格首次突破30万英镑。

Having fallen in each of the final two months of 2025 amid uncertainty surrounding Rachel Reeves's late-autumn budget, house prices rebounded by 0.7 per cent in January, Halifax said.

哈利法克斯银行表示，尽管在2025年末秋财政大臣瑞秋·里夫斯预算案带来的不确定性中，房价在最后两个月连续下跌， 但今年1月仍反弹了0.7%。

That was comfortably better than the 0.1 per cent increase predicted by economists and takes the average house price in the UK up to £300,077. The previous record was set last October, when the average price reached £299,754.

这一涨幅明显优于经济学家预测的0.1%，使英国房屋均价升至300,077英镑。 此前的纪录是去年10月创下的299,754英镑。

Amanda Bryden, head of mortgages at Halifax, called it a "milestone figure" and added that "the housing market entered 2026 on a steady footing".

哈利法克斯银行抵押贷款业务主管阿曼达·布林登称此为“里程碑数字”，并补充道“房地产市场在2026年开局平稳”。

Bryden and her team noted that although a new record house price had been achieved, growth in recent years "has been relatively modest" after the post-lockdown boom driven by the "race for space".

布林登及其团队指出，虽然房屋均价再创新高， 但在疫情解封后“空间争夺战”推动的繁荣期过后，近年增长“相对温和”。

Higher interest rates since 2022 have weighed on house prices, which have risen only 5.7 per cent over the past three years. That compares with an increase of 18.7 per cent between 2020 and 2023, and of 9.4 per cent in the three years before the pandemic.

自2022年以来的较高利率水平抑制了房价，过去三年仅上涨5.7%。 相比之下，2020年至2023年间涨幅为18.7%，而疫情前三年涨幅为9.4%。

Even with the recent slowdown in house price inflation, affordability "remains a challenge for many", Halifax said, particularly in the south of England. That is reflected in regional differences in house price performance, which the lender said have "become more pronounced".

哈利法克斯银行表示，即使近期房价通胀放缓，购房承受力“对许多人而言仍是挑战”， 尤其在英格兰南部。 这体现在地区房价表现的差异上，该机构称这种差异“已变得更为显著”。

Across the UK as a whole, house prices have increased 1 per cent, on average, over the past 12 months. However, that masks a "clear divide between the northern and southern parts" of the country.

过去12个月全英房价平均上涨1%， 但这掩盖了“南北部之间的明显分化”。

While house prices in Wales, Scotland, Northern Ireland and the north of England have also risen over the past 12 months, prices in the southeast and southwest of England, as well as London, have all fallen, Halifax calculated. Northern Ireland remains the UK's property hotspot, with prices there 5.9 per cent higher than they were this time last year. House prices have fallen most in the southeast and the southwest, where they are down 1.6 per cent year-on-year.

据哈利法克斯计算，尽管威尔士、苏格兰、北爱尔兰及英格兰北部过去一年房价上涨， 但英格兰东南部、西南部及伦敦房价均出现下跌。 北爱尔兰仍是英国楼市热点地区，当地房价较去年同期高出5.9%。 英格兰东南部与西南部房价跌幅最大，同比下降1.6%。

Broader economic conditions continue to provide some support. Wage growth has been outpacing property price inflation since late 2022, steadily improving underlying affordability," Bryden said.

布林登表示：“更广泛的经济条件仍提供一定支撑。 自2022年末以来，薪资增长持续超越房价通胀，稳步改善根本承受力。”

"That's a positive trend for buyers, and the long-term health of the market. And we're now seeing more mortgage deals below 4 per cent. If inflation continues to ease, there should be further gradual reductions as the year goes on."

“这对购房者和市场长期健康是积极趋势。 目前我们看到更多低于4%的抵押贷款产品。 若通胀持续缓解，今年内利率应会进一步逐步下调。”

Halifax is forecasting further house price growth of between 1 per cent and 3 per cent in 2026, which is broadly in line with what other economists are predicting.

哈利法克斯预测2026年房价还将上涨1%至3%， 这与其他经济学家的预测基本一致。

Ashley Webb, a UK economist at Capital Economics, is among the more optimistic, estimating that house prices will increase by 3.5 per cent this year. However, he cautioned on Friday that should Keir Starmer and Rachel Reeves be replaced by a "less fiscally responsible top team" then interest rates might not come down as fast as he currently expects, which would keep a lid on house prices.

资本经济公司的英国经济学家阿什利·韦布是较为乐观的分析师之一，他预计今年房价将上涨3.5%。 但他在周五警示称，若基尔·斯塔默与瑞秋·里夫斯被“财政责任感较低的领导团队”取代， 利率下降速度可能不及当前预期，这将抑制房价上涨。