The combination of rising insolvencies and falling mortgage approvals could create the tipping point in the housing market many buyers have been waiting for.

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2023 had Worst Business Insolvencies for 30 years
https://www.independent.co.uk/money/company-failures-hit-30year-high-in-2023-b2487243.html

https://www.bankofengland.co.uk/statistics/money-and-credit/2023/december-2023

Stiggy's stats.
https://twitter.com/alexgroundwater/status/1752425319703736517

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https://bestagent.co.uk

December Job Vacancies down 13% yoy.
https://www.bloomberg.com/news/articles/2024-01-29/uk-job-vacancies-fall-by-most-in-three-years-adzuna-data-shows?srnd=premium-uk

Interest Rate falls less likely
https://www.bloomberg.com/news/articles/2024-01-29/uk-interest-rates-inflation-uncertainty-likely-to-increase-boe-caution?srnd=premium-uk

John Lewis to cut 11,000 Jobs
https://www.bbc.co.uk/news/business-68118092

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