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.
Recent posts
Best UK Mortgage Rates this Week
5 days ago
Here are the lowest fixed mortgage rates of the week, available to first-time buyers, home movers, buy-to-let, and those remortgaging.
Call us for more information: 01628 507477 or email: team@mortgagerequired.com.
According to Nationwide Building Society’s latest House Price Index, house prices dropped 0.6% month on month in May – the first monthly decline this year.
On Wednesday, 13th May, King Charles delivered his speech at the House of Lords, outlining the government’s plans for the upcoming year.
Here is a summary of the housing and energy/environment points.
From 18th May 2026, Halifax (part of Lloyds Banking Group) is launching a ‘£5k Deposit mortgage’ to help first-time buyers get onto the property ladder sooner.
Homeowners could be faced with paying over £3,000 more per year on their mortgage if the conflict in the Middle East continues, following new analysis from INTEREST from Moneyfacts.
Renters' Rights Act
28 Apr 2026
The Renter’s Rights Bill became law at the end of October, which means it has been signed off by the King, and it is now the Renters’ Rights Act. Despite this becoming law, these changes are likely to start changing within the next six months, with the aim of being fully implemented throughout 2026 and into 2027.
Green Mortgages | Rewards and Benefits
28 Apr 2026
Mortgage lenders are starting to recognise their “Green” responsibilities when it comes to the different products they offer.
Costliest Streets in Great Britain
24 Apr 2026
Recent data from Rightmove shows the most expensive streets in Great Britain, with the majority being situated in the capital.
More information
Trusted by
