After undertaking a survey with 2,000 adults, we found that buying incentives and stabilising mortgage rates are spurring on 15% of Brits to consider making a move in 2024.

27% of those considering a house move agreed things are looking more positive after years of uncertainty around the housing market.

And 16% are considering purchasing as there are now more incentives to help them.

A fifth of prospective buyers are considering moving in the next 12 months, believing there are more new homes on the market in their area, with 44% of the total sample considering buying a new build when they next move.

However, 61% feel confused by the jargon associated with the home moving process.

Phrases like ‘desk underwriting’, ‘stock plots’ and ‘porting your mortgage’ were found to be among the most perplexing house move jargon.


To help, we have created a quiz to test home-buyers’ knowledge of these phrases, homebuyer guides and a glossary breaking down the most confusing terms.

Allan Walker, Cala's Director of Sales and Transformation, said: “There are signs of optimism in the housing market, with people gaining confidence that 2024 could be the right time to move.

“Buying incentives and stabilising mortgage rates have encouraged the view that the upcoming year holds promise for a more favourable landscape.  It seems many are now more inclined to explore opportunities around moving home.

“And we are starting to see more people lean towards the new build market – as incentives and facilitators are often available to make the process easier and more achievable.”

It also emerged ‘indemnity insurance’, ‘deposit unlock’ and ‘capital gains tax’ have left buyers and sellers scratching their heads.

As a result, 41% admit they have moved home in the past without fully understanding the language used throughout the process.

And 45% of these went on to say because they go through the process so infrequently, it is easy to forget what words and phrases mean.

But 37% think their confusion stems from never actually being taught anything about the process.

That said, for 68%, despite being confused, all that really matters is knowing they can afford the repayments each month.

The research, which was conducted via OnePoll, also found 61% agree it is worse for today’s generation to buy and sell properties compared to 30 years ago.

But 38% also understand buying a new build property to be easier than purchasing an older home.

Everything being new and clean, better energy efficiency and the home being under warranty are the main reasons why they would opt for a new build over an older home.

While 28% like the idea of having more creative freedom with what the property looks like from day one.

Allan Walker added: “In the homebuying journey, confusion often sets in due to the technical jargon scattered throughout the process.

“But this confusion emphasises the role of seasoned professionals in the process.

“Despite the complexity, having a trusted advisor – such as an independent mortgage expert or a sales advisor when buying a new build – to unravel the details, explain the jargon, and illuminate the way forward supports buyers through their purchase and moving in journey.”

View our glossary page for more information.


*Research undertaken by OnePoll on behalf of Cala. 2,000 respondents. Published Jan 2024 

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