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Why It Matters for Sub-£100k Investors
Additional Market Evidence
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


“The average UK house price edged down by -0.3% (£794) in September, following a modest rise in August. The typical home now costs £298,184. Over the past 12 months prices have grown by +1.3%, the slowest annual rate since April 2024.
“This slight monthly dip in house prices reflects a housing market that has remained broadly stable, prices are up +0.3% since the start of the year.
“It’s also important to remember that prices vary widely depending on characteristics like location and property type. As a result, many homes are available at a cost well below this headline figure. For example, for those looking to take their first step on the property ladder, the typical first-time buyer home costs £236,811, up +1.7% year on year, with pockets of even greater affordability to be found across different regions.
“While affordability remains a challenge, a relatively lower mortgage rate environment and steady wage growth have helped support buyer confidence.
“Although the broader economic outlook remains uncertain, with the affordability picture gradually improving, we continue to expect modest growth through the remainder of the year.”
Amanda Bryden, Head of Mortgages, Halifax,

Across England, there remains a clear North/South divide. The North East & North West recording annual growth above +3.9%, making them the fastest-rising regions.
The South West saw a second consecutive price fall by -0.2% over the past year (previously -0.7%) with prices now £303,067.


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