19 May 2026
Most Affordable UK Spots for First-Time Buyers
Research from Lloyds identifies the most affordable areas in the UK for first-time buyers to be able to get onto the property ladder. It also showed that 32 is the average age of a first-time buyer in the UK; however, in more reasonably-priced areas, this drops to 27 years old.
Scotland tops the list with the average house price under £150,000, with East Ayrshire taking the number one spot with an average house price of £147,353, followed by Inverclyde with an average of £149,929.
| Area | Region | Average price for FTB |
| East Ayrshire | Scotland | £147,353 |
| Inverclyde | Scotland | £149,929 |
| Blackpool | North West | £150,780 |
| Kingston upon Hull | Yorkshire and The Humber | £151,171 |
| Na h-Eileanan Siar | Scotland | £155,300 |
| Hyndburn | North West | £155,911 |
| Clackmannanshire | Scotland | £156,041 |
| Merthyr Tydfil | Wales | £156,498 |
| South Tyneside | North East | £157,557 |
| West Dunbartonshire | Scotland | £159,437 |
If you are a first-time buyer looking to get your first mortgage, the Mortgage Required team is available six days a week and can help you to find the best deal for you nationwide.
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