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Nov 2025 - North-West Growth - 4.0% vs UK 1.9%
- House prices rose by +0.6% in October vs a fall of -0.3% in September
- Fourth time in last five months that the average price has increased
- Average property price now £299,862, edging up to a new record high
- Annual rate of growth rises to +1.9% (up from +1.3% in September)
- Mortgage approvals reach highest level this year, indicating resilient demand
- House prices in the North West for the last 12 months are up +4.0%, compared to the UK average of 1.9%
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
“October saw the biggest monthly rise in UK house prices since January this year, with the value of the average UK home increasing by +0.6% (£1,647). That brings the typical property price up to £299,862 – the highest on record – while annual growth also increased to +1.9% (from +1.3%).
“Demand from buyers has held up well coming into autumn, despite a degree of uncertainty in the market, with the number of new mortgages being approved recently hitting its highest level so far this year.
“There is no doubt that affordability remains a challenge for many. Average fixed mortgage rates are currently around 4% and likely to ease down further, but with property prices at record levels, moving home can feel like a stretch.
“Rising costs for everyday essentials are also squeezing disposable incomes, which affects how much people are willing or able to spend on a new property.
“Even so, while there has been some volatility, the market has proven resilient over recent months, as many buyers opt for smaller deposits and longer terms to help make the numbers work. With house prices rising more slowly than incomes for almost three years now, we expect the trend of gradually improving affordability to continue.”
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 recording annual growth above +4.0% & 4.1%, making them the fastest-rising regions.
London and the South East saw prices fall slightly in October on an annual basis, by -0.3% and - 0.1% respectively.
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