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Sept 2025 - North-West Highest Growth In England - 4.1%
- House prices increased by +0.3% in August, marking a third consecutive monthly rise
- Average property price now £299,331, edging up to a new record high
- Annual rate of growth eases slightly to +2.2% (down from +2.5% in July)
- House prices in the North West for the last 12 months are up +4.1%, compared to the UK average of 2.2%
Why It Matters for Sub-£100k Investors
- Many North West towns (e.g. Burnley, Accrington, Blackburn, Darwen) still offer terraced homes under £100,000, 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 £100k, 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
North-West 12 Month Growth At 4.1% - 1.9% ABOVE THE UK AVERAGE!
“UK house prices rose again in August, up by +0.3% (£932), marking the third consecutive monthly increase. The average property price now stands at £299,331 – a new record high – although annual growth has eased slightly to +2.2%.
“The story of the housing market in 2025 has been one of stability. Since January, prices have risen by less than £600, underlining how steady the market has been despite wider economic pressures.
“Affordability remains a challenge, but there are signs of improvement. Interest rates have been on a gradual downward path for nearly two years, and many of the most competitive fixed-rate mortgage deals now offer rates below 4%.
“Combined with strong wage growth – which has outpaced house price inflation for nearly three years – this is giving more prospective buyers the confidence to take the next step. Summer is typically a quieter period for the market, so the recent rise in mortgage approvals to a six-month high is an encouraging sign of underlying demand.
“While the wider economic picture remains uncertain, the housing market has shown over recent years that it can take these challenges in its stride. Supported by improving affordability and resilient demand, we expect to see a slow but steady climb in property prices through the rest of this year.”
First-time buyer affordability improves
“Though overall prices have edged higher, average property values for first-time buyers moved in the opposite direction over the summer, a trend that will be welcomed by those looking to get on the ladder.
“For those able to overcome the hurdle of saving a deposit, the numbers increasingly stack up. The typical first-time buyer property now costs £237,577, down -0.6% since May. On a 95% LTV mortgage over 30 years, that could mean monthly repayments of around £1,179 compared to the average UK private rent of £1,343.”
Amanda Bryden, Head of Mortgages, Halifax,
Nations and regions house prices
Across England, there remains a clear North/South divide. The North East, North West, and Yorkshire & the Humber all recorded annual growth above +4%, making them the fastest-rising regions.
By contrast, the South West saw prices fall -0.8% over the past year, the first UK nation or region to record an annual decline since Eastern England in July 2024 (-0.2%).
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