Data Sources | Property Pundit UK

House prices

Source	Cadence	Used for
Land Registry HPI	Monthly (lags ~2 months)	Authoritative transaction-based UK house price data
Lloyds House Price Index (formerly Halifax)	Monthly, published early next month	Faster monthly price trend indicator — renamed from Halifax HPI in July 2026 as the Halifax brand is folded into Lloyds Banking Group; methodology, administration and the January 1983 base series are unchanged
Nationwide House Price Index	Monthly, published end of month	Cross-check against Halifax; regional breakdowns
Rightmove	Monthly	Asking prices — faster but not transactional
Zoopla	Ongoing	Mix of asking and sold price data

Mortgage rates and lending

Source	Cadence	Used for
Bank of England base rate	Set at ~8 MPC meetings a year	Base rate, transmission to mortgage pricing
Bank of England Money and Credit statistical release	Monthly, ~end of month for the prior month	Net mortgage approvals for house purchase and the effective interest rate on newly drawn mortgages — the rate borrowers are actually paying, as distinct from advertised best-buy and average rates
Moneyfacts	Updated daily	Best-buy fixed and tracker mortgage tables
UK Finance	Monthly	Mortgage approvals and lending volumes
UK Finance "Loans Where We Live" regional mortgage market compendium	Annual (first edition published 5 May 2026)	Local-authority-level mortgage affordability (% of income on repayments) and buy-to-let gross yield rankings — the most granular regional data available for spotlight and investor articles, e.g. Scotland's 9-10% BTL yields and the tightest affordability areas (North Norfolk, Hillingdon)
FCA Mortgage Lending Statistics	Quarterly	Arrears, possessions, LTI lending standards and market-wide lending volumes (regulator data, cross-checks UK Finance)
MoneySavingExpert Best Buy tables	Ongoing	Illustrative retail rate cross-check

Affordability and the economy

Source	Cadence	Used for
ONS	Monthly / quarterly	Income, earnings, CPI, regional affordability ratios
RICS UK Residential Market Survey	Monthly	Sentiment and sales pipeline
HMRC SDLT statistics	Monthly / quarterly	Stamp duty receipts and transaction volumes

Rental market

Source	Cadence	Used for
Rightmove Rental Tracker	Quarterly	Asking rent trends
Zoopla Rental Market Report	Quarterly	Rental yield and affordability data
ONS Price Index of Private Rents (PIPR), published in the "Private rent and house prices, UK" bulletin	Monthly	Official rent price index, including local authority estimates and breakdowns by property type and bedroom count. Replaced the Index of Private Housing Rental Prices and the Private Rental Market Summary statistics on 20 March 2024; became full official statistics on 20 May 2026

Policy and regulation

Source	Cadence	Used for
HMRC	As updated	Tax rules, SDLT thresholds, LISA rules
MHCLG (Ministry of Housing, Communities and Local Government, formerly DLUHC)	As updated	Planning and housebuilding policy
MHCLG Energy Performance of Buildings Certificates Statistical Release	Quarterly (England and Wales)	EPC lodgement volumes and rating distribution — used for EPC C deadline and landlord upgrade-cost analysis
Leasehold Advisory Service	As updated	Leasehold and freehold guidance

Home maintenance and improvement

Source	Cadence	Used for
Which?	As updated	Maintenance cost surveys, boiler cover reviews, tradesperson costs
Energy Saving Trust	As updated	Insulation, heat pump and solar cost/savings data
OFGEM	Quarterly / as updated	Energy price cap, switching, boiler efficiency ratings
HomeOwners Alliance	As updated	Conveyancing, survey and new homeowner cost benchmarks
ABI	As updated	Buildings and contents insurance cost data
ABI/BCIS House Rebuilding Cost Index	Quarterly	Rebuild cost per square metre and its annual movement — the index insurers use to set buildings sums insured. Used for underinsurance and rebuild-cost-versus-market-value analysis (BCIS is run by RICS)
GOV.UK	As updated	Help to Buy repayment, scheme obligations, Right to Buy rules
Citizens Advice	As updated	Homeowner rights, service charge disputes, leasehold issues

Our editorial standard

Every figure we publish carries an inline source and a month/year. We never present monthly data (such as Land Registry HPI, which lags roughly two months) as current-week data. Where a figure could have changed since publication — tax thresholds, base rate, best-buy mortgage rates — we recommend you verify the current position directly with HMRC, the Bank of England or Moneyfacts before acting.