Mapped: UK’s property value hotspots for buyers
Following a surge in property values last year, Plymouth, Stafford and Wigan have been identified as the UK’s leading “housing hotspots” for 2025.
Lloyds’ analysis, based on mortgage data, reveals that the Devon port city of Plymouth experienced the fastest growth, with house values rising by an average of 12.6 per cent.
Stafford and Wigan also recorded double-digit growth, seeing property prices rise by 12.0 per cent and 10.5 per cent respectively.
Other cities featured in the top 10 hotspot list include Wakefield, Mansfield, Woking, Liverpool, Rugby, Falkirk and Hull.
Amanda Bryden, head of mortgages at Lloyds, said: “Our customers’ dream homes are available in pockets across the UK and this year we have supported thousands of people to take their next home buying step.
“While real estate prices play a role, choosing where to live is also about finding a place that feels right: a community you connect with, a commute that works for you, and a lifestyle that suits you.”
Meanwhile, the South East dominated the regions where home values were falling or saw the slowest growth. Crawley and High Wycombe experienced the sharpest declines; property values fell 8.9 percent and 7.4 percent, respectively.
Despite overall growth of 3.7 per cent in the North West of England, Chester recorded a 6.4 per cent decline in average property values. Similarly, while Wales overall experienced a 2.3 per cent rise in house values, Cardiff saw a 5.2 per cent fall.
Ms Bryden added: “If you’ve decided on a particular location it’s worth taking the time to do some research and see what prices are there because fluctuations in value at a local level can make a big difference to how much you might need for a deposit, stamp duty or wider conveyancing costs.
“If you’re open to exploring, you can find places where your money will go further. The north and Scotland are generally more affordable than the south of England, with so much to offer in terms of culture and history as well as some of England’s most beautiful parts.”
For its research, Lloyds compared the 12 months to October 2025 and the same months to October 2024. Excluding lettings and shared ownership, only locations where Lloyds Banking Group made a minimum of 150 mortgage offers during the period were included.
On a less localized level, Lloyds said most parts of the UK were likely to see house value increases in 2025.
Northern Ireland led the way with growth of 5.8 per cent, while property values in London fell by an average of 0.1 per cent.
The top 10 locations with the biggest percentage increase in average house values recorded by Lloyds, with average house value in 2025 and cash and percentage increase on the previous year:
1. Plymouth, South West, £278,808, £31,229, 12.6 per cent
2. Stafford, West Midlands, £321,248, £34,516, 12.0 per cent
3. Wigan, North West, £249,562, £23,740, 10.5 per cent
=4. Wakefield, Yorkshire and Humber, £286,268, £22,887, 8.7 per cent
=4. Mansfield, East Midlands, £243,251, £19,444, 8.7 per cent
6. Woking, South East, £560,499, £42,046, 8.1 per cent
7. Liverpool, North West, £254,550, £17,686, 7.5 per cent
8. Rugby, West Midlands, £374,653, £25,450, 7.3 per cent
9. Falkirk, Scotland, £238,512, £15,794, 7.1 percent
10. Hull, Yorkshire and Humber, £199,348, £12,206, 6.5 per cent
Here are the top 10 locations with the biggest percentage decline in average house values recorded by Lloyds; Median home value in 2025 and cash and percentage change from the previous year:
1. Crawley, South East, £372,202, minus £36,317, minus 8.9 per cent
2. High Wycombe, South East, £436,379, minus £34,994, minus 7.4 per cent
3. Chester, North West, £340,415, minus £23,114, minus 6.4 per cent
4. Solihull, West Midlands, £390,292, minus £25,976, minus 6.2 per cent
5. Worcester, West Midlands, £331,977, minus £21,724, minus 6.1 per cent
6. Cardiff, Wales, £310,577, minus £17,079, minus 5.2 per cent
7. Cheltenham, South West, £411,593, minus £21,616, minus 5.0 per cent
8. Brighton, South East, £404,874, minus £20,254, minus 4.8 per cent
=9. Barnsley, Yorkshire and Humber, £215,552, minus £10,624, minus 4.7 per cent
=9. Stockport, North West, 330,654, minus 16,289, minus 4.7 per cent
