Liverpool has been named among the UK’s ‘top property hotspots’
Kate Lally and Vicky Shaw Press Association Personal Finance Correspondent
06:39, 30 Dec 2025Updated 07:46, 30 Dec 2025
Liverpool is a ‘property hotspot’, according to Lloyds(Image: CHUNYIP WONG via Getty Images)
Liverpool has been named one of the biggest “housing hotspots” for 2025 by Lloyds Bank. The financial giant analysed the sale of homes across the UK, with Plymouth seeing the most significant surge in home values over the past year.
According to the bank’s latest analysis, based on its own mortgage data, property values in Plymouth rose by an average of 12.6% compared to the previous year. Stafford and Wigan also experienced substantial growth, with property prices increasing by 12.0% and 10.5% respectively.
Wakefield, Mansfield, Woking, Liverpool, Rugby, Falkirk and Hull also featured in the top 10 hotspots. Amanda Bryden, head of mortgages at Lloyds, said: “Our customers’ dream homes are found in pockets around the UK and we’ve supported thousands of people to take their next home-buying step this year.
“While property 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 fits you.”
The report revealed that the South East dominated the locations where home values either fell or grew at the slowest rate over the past year. Crawley and High Wycombe saw the steepest drops, with property values decreasing by 8.9% and 7.4% respectively.
Chester also recorded a decline, with average property values falling by 6.4%. However, the north west of England overall saw a growth of 3.7% in property values, according to the report.
Lloyds also documented a 5.2% decline in typical property prices in Cardiff, even though house values across Wales climbed by 2.3% overall. Ms Bryden continued: “If you’ve got your heart set on a particular location, it’s worth taking time out to do some research and see what’s happening with prices there, as swings in value at a local level can make a big difference to how much you may need for a deposit, stamp duty or wider moving costs.
“If you’re open to exploring, you might find places where your money goes further. Northern regions and Scotland are still generally more affordable than the south of England, with a huge amount to offer in terms of culture and history, alongside some of the most beautiful parts of the UK countryside.”
Lloyds examined the 12 months to October 2025 against the corresponding period ending October 2024 for its analysis. Areas were only considered where Lloyds Banking Group had issued at least 150 mortgage agreements during the timeframe, excluding buy-to-let and shared ownership properties.
Looking at broader trends, Lloyds reported that most regions across the UK witnessed increases in residential property values during 2025. Northern Ireland topped the rankings with growth of 5.8%, while property prices in London dropped by an average of 0.1%.
Below are the leading 10 areas showing the largest percentage rises in typical house values according to Lloyds data, featuring the mean property price in 2025, monetary growth, and percentage growth from the prior year:
1. Plymouth, £278,808, £31,229, 12.6%
2. Stafford, £321,248, £34,516, 12.0%.
3. Wigan, £249,562, £23,740, 10.5%.
=4. Wakefield, £286,268, £22,887, 8.7%.
=4. Mansfield, £243,251, £19,444, 8.7%.
6. Woking, £560,499, £42,046, 8.1%.
7. Liverpool, £254,550, £17,686, 7.5%.
8. Rugby, £374,653, £25,450, 7.3%.
9. Falkirk, £238,512, £15,794, 7.1%.
10. Hull, £199,348, £12,206, 6.5%.
And here are the top 10 locations with the biggest percentage falls in average home values recorded by Lloyds, with the average home value in 2025 and the cash and percentage change compared with the previous year:
1. Crawley, £372,202, minus £36,317, minus 8.9%.
2. High Wycombe, £436,379, minus £34,994, minus 7.4%.
3. Chester, £340,415, minus £23,114, minus 6.4%.
4. Solihull, £390,292, minus £25,976, minus 6.2%.
5. Worcester £331,977, minus £21,724, minus 6.1%.
6. Cardiff, £310,577, minus £17,079, minus 5.2%.
7. Cheltenham, £411,593, minus £21,616, minus 5.0%.
8. Brighton, £404,874, minus £20,254, minus 4.8%.
=9. Barnsley, £215,552, minus £10,624, minus 4.7%.
=9. Stockport, £330,654, minus £16,289, minus 4.7%.