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Plymouth, Stafford and Wigan identified as UK’s leading ‘housing hotspots’ by 2025 Property value over the past year.
Analysis by Lloyds Bank based on its mortgage data shows that the Devon port city of Plymouth experienced the steepest risehouse prices rose by an average of 12.6%.
Stafford and Wigan also Recorded double-digit growthreal estate prices increased by 12.0% and 10.5% respectively.
Other cities making the top ten hotspots include Wakefield, Mansfield, Woking, Liverpool, Rugby, Falkirk and Hull.
Amanda Bryden, Mortgage Executive Lloyds Banksaid: “Our clients’ dream homes are located in surrounding pockets U.K. This year we have supported thousands of people taking the next step towards home ownership.
“although property Price is a factor, but choosing where to live is also about finding a place that feels right—a community that connects to you, works for your commute, and fits your lifestyle. “
at the same time, southeast Dominate the areas with the slowest house price falls or growth. Crawley and High Wycombe saw the biggest falls, with prices down 8.9% and 7.4% respectively.
Despite overall growth of 3.7% in the North West of England, average property values in Chester fell by 6.4%. Similarly, house prices in Cardiff fell by 5.2%, while overall house prices in Wales increased by 2.3%.
Ms Brydon added: “If you’ve decided on a particular location it’s worth taking the time to do some research and see how prices have changed there, as fluctuations in local house prices can have a big impact on how much deposit, stamp duty or wider moving costs you may need.
“If you’re willing to explore, you may find that your money can go further afield. The North and Scotland are still generally more affordable than the South of England, have a wealth of resources in terms of culture and history, and some of the most beautiful parts of the British countryside.”
Lloyds compared the 12 months to October 2025 with the same month to October 2024. Only locations where Lloyds Banking Group provided at least 150 mortgages during the period are included, excluding buy-to-let and shared ownership.
On a less local level, house values will rise in most parts of the UK until 2025, Lloyds Bank said.
Northern Ireland led the way with growth of 5.8%, although property values in London fell by an average of 0.1%.
Here are the 10 locations with the biggest average house price increases recorded by Lloyds, along with average house prices in 2025 and cash and percentage increases compared to the previous year:
1. Plymouth, South West, £278,808, £31,229, 12.6%
2. Stafford, West Midlands, £321,248, £34,516, 12.0%
3. Wigan, North West, £249,562, £23,740, 10.5%
=4. Wakefield, Yorkshire and Humber, £286,268, £22,887, 8.7%
=4. Mansfield, East Midlands, £243,251, £19,444, 8.7%
6. Woking, South East, £560,499, £42,046, 8.1%
7. Liverpool, North West, £254,550, £17,686, 7.5%
8. Rugby, West Midlands, £374,653, £25,450, 7.3%
9. Falkirk, Scotland, £238,512, £15,794, 7.1%
10. Hull, Yorkshire and the Humber, £199,348, £12,206, 6.5%
Here are the 10 locations with the biggest average house price falls recorded at Lloyds, along with average house prices in 2025 and cash and percentage changes compared to the previous year:
1. Crawley, South East, £372,202, reduced by £36,317, reduced by 8.9%
2. High Wycombe, South East, £436,379, reduced by £34,994, reduced by 7.4%
3. Chester, North West, £340,415, reduced by £23,114, reduced by 6.4%
4. Solihull, West Midlands, £390,292, £25,976 off, 6.2% off
5. Worcester, West Midlands, £331,977, £21,724 off, 6.1% off
6. Cardiff, Wales, £310,577, £17,079 off, 5.2% off
7. Cheltenham, South West, £411,593, reduced by £21,616, reduced by 5.0%
8. Brighton, South East, £404,874, £20,254 less, 4.8% less
=9. Barnsley, Yorkshire and Humber, £215,552, reduced by £10,624, reduced by 4.7%
=9. North West Stockport, 330,654, minus 16,289, minus 4.7%