Supplement 12 Jan 25 - C'mon Rachel

Propenomix with Adam Lawrence

****PLEASE SHARE AND HELP TO SPREAD THE WORD OF PROPENOMIX****

This week in the ONLY agenda-free UK Property and Macroeconomic roundup:

The deep dive goes into the household and national balance sheets - lifting the lid on how good, or bad, the UK finances as a whole truly are. As a bonus, we look at UK Finance’s forecasts for 2025 and 2026 when it comes to lending, and specifically buy-to-let of course.

We also have, in the Macro section:

The Halifax House Price Index and their take on 2025

The Services and Construction PMI final prints for December and the Composite Index, with the bearish comments thrown in

The Bank of England BBA Mortgage rate data and the decision maker panel forecasts for 2025

The gilts and swaps - and some real meat (remember to chew it well, you may want 2 or 3 reads of this section…..) about the yields and what’s really going on - and what it means, and why I’m not panicking. Yet

And in the deep dive......

The ONS once a year - usually, in business as usual times - produce a Balance Sheet for the UK and establish “our” net worth - including the households as the primary holders of the vast majority of the wealth. How much is it? How did it move? How bankrupt - or not - is the UK? What’s it all made up of, anyway (I know you can guess what a very decent slug of it is made up of……)

UK Finance - who have all the lender data - produce a detailed forecast of the key numbers in the mortgage market for 2025, including net lending, repossessions, arrears, and remortgaging (or lack of it, as there has been over recent years)

What you know at the end is - as ever-present, we will be Keeping Calm and Carrying On throughout 2025 - Rachel, we need you to step up

Enjoy

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