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Dec 2025 - North-West Growth - 3.2% vs UK 0.7%
- House prices were broadly unchanged in November (+0.0%) after a +0.5% rise in October
- Average property price is now £299,892, edging up to another new record high
- Annual growth slowed to +0.7%, down from +1.9% in October
- Slower rate of annual inflation largely reflects the impact of stronger growth a year ago
- Regional data continues to show a clear North/South divide
- House prices in the North West for the last 12 months are up +3.2%, compared to the UK average of 0.7%
Why It Matters for Sub-£125k Investors
- Many North West towns (e.g. Burnley, Accrington, Blackburn, Darwen) still offer terraced homes under £125,000, well below the regional average.
- These properties often yield 7–10%+ gross returns, depending on condition and tenancy strategy.
- Capital growth of +4.0% means your investment is not just cash-flowing, but also appreciating faster than most of the UK.
Additional Market Evidence
- Rightmove & Zoopla show increasing buyer demand in affordable areas of the North due to southern buyers being priced out of their local markets.
- Regeneration and infrastructure investment (e.g. town centre revamps in Blackburn, Burnley, Accrington) continue to attract investors and uplift values.
- Mortgage approvals and buyer demand remain steady despite broader economic uncertainty.
Summary
If you’re investing with a budget of under £125k, the North West remains one of the best-performing and most affordable parts of England. You benefit from low entry prices, growing demand, capital growth outpacing much of the country, and strong rental yields
Mortgage approvals reach highest level this year, indicating resilient demand
“Average house prices were broadly unchanged in November, edging up by £139 compared to October, with the typical property now costing £299,892. Annual growth has slowed to +0.7%, the weakest rate since March 2024, though this largely reflects the base effect of much stronger price growth this time last year.
“This consistency in average prices reflects what has been one of the most stable years for the housing market over the last decade. Even with the changes to Stamp Duty back in spring and some uncertainty ahead of the Autumn Budget, property values have remained steady.
“While slower growth may disappoint some existing homeowners, it’s welcome news for first-time buyers. Comparing property prices to average incomes, affordability is now at its strongest since late 2015. Taking into account today’s higher interest rates, mortgage costs as a share of income are at their lowest level in around three years.
“Looking ahead, with market activity steady and expectations of further interest rate reductions to come, we anticipate property prices will continue to grow gradually into 2026.”
Amanda Bryden, Head of Mortgages, Halifax,
Nations and regions house prices
Across England, there remains a clear North/South divide. The North West recorded the highest annual growth rate, with property prices rising by +3.2% to £245,070
Further south, three regions saw prices decrease in November. In London prices fell by -1.0%, the South East by -0.3% and Eastern England by -0.1%
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