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6 October 2011 Last updated at 07:24 GMT
The market has been relatively difficult for first-time buyers House prices are "lacking genuine direction", according to the Halifax, as it reported a 0.5% fall in values in September compared with August.Prices were down 2.3% from a year ago, leaving the average home in the UK worth ￡161,132, the lender said.
It said there had been a mixed pattern of monthly changes in prices, but broad stability overall.
And the lender said it expected little change in prices and activity during the rest of the year.
"Greater uncertainty about economic and personal financial circumstances, together with pressure on householders' finances from weak earnings growth, higher inflation and increases in taxes, are likely to be constraining housing demand," said Halifax housing economist Martin Ellis.
"Despite these pressures, low interest rates and a rise in employment over the past year, have been supporting the market."
LendingPrices in the three months to September were 0.1% higher than the previous three months.
The report of static house prices from the Halifax's lending data chimes with the latest figures from the Nationwide. The building society said last week that prices were "treading water".
However, the latest statistics on mortgage approvals from the Bank of England may suggest that sales funded by mortgage borrowing could pick up this autumn.
It said the number of new mortgages approved, but not yet lent, for home buyers rose to 52,410 in August - its highest monthly level since December 2009.
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