Overview
- Lloyds mortgage data for the year to October 2025 shows UK average prices up 3.7%, with Northern Ireland leading regional growth at 5.8%.
- Plymouth posted the fastest rise at 12.6% to £278,808, with Stafford up 12.0% and Wigan up 10.5%, and other gainers including Liverpool, Wakefield and Hull.
- Several South East and commuter towns saw sharp declines, led by Crawley (-8.9%) and High Wycombe (-7.4%), with Chester (-6.4%), Brighton (-4.8%) and Cardiff (-5.2%) also falling.
- London was the only region to edge lower on average (-0.1%); figures reflect Lloyds purchase mortgages over the 12 months to October and exclude buy-to-let and shared-ownership deals.
- Outlooks from Hamptons, CEBR, Savills and Knight Frank signal limited national price growth in 2026 of roughly 2% to 3.7%, constrained by borrowing costs, a softer jobs market and recent tax changes.