Average house deposit for first-time buyers in the UK 2022-2023, by region

To obtain a mortgage, first-time homebuyers in the United Kingdom (UK) need to save a deposit amounting to about 19 percent of the property purchase price. The higher the property value and the loan amount, the higher the deposit. In 2023, the average first-time buyer deposit in the UK was about 53,414 British pounds, but in the most expensive region, Greater London, the deposit amount was more than double. The share of the deposit was also much higher than in other regions in the UK. How has the house price for first-time buyers changed over time?Housing bought by first-time buyers has become increasingly more expensive since 2000, making it harder for renters to get on the property ladder. By 2023, the average house price had tripled. The price also varied in different regions, with the North East being the least expensive and Greater London – the priciest. Which are the most affordable areas for first-time buyers?While housing in certain areas can be pricy, this does not necessarily make it unaffordable, as the standard of living may also be higher. In 2021, the most affordable towns for first-time buyers were found in the North West region (Burnley) and Scotland (East Ayshire, North Ayshire, Inverclyde, West Dunbartonshire).

为获取按揭贷款，英国（UK）首次购房者在购房前需存积约19%的购房首付款。房产价值与贷款金额越高，所需的首付款亦随之增加。截至2023年，英国首次购房者的平均首付款约为53,414英镑，但在房价最高的地区——大伦敦，首付款金额超过了两倍。首付款比例亦远高于英国其他地区。首套房购房者房价随时间如何变化？自2000年以来，首次购房者购买房产的价格逐年攀升，使得租房者攀登房产阶梯愈发困难。至2023年，平均房价已上涨至原来的三倍。房价在不同地区亦有所差异，其中东北部地区房价最低，而大伦敦则是最昂贵的地区。哪些地区对首次购房者而言最为经济实惠？尽管某些地区的房价可能较高，但这并不一定意味着不可负担，因为生活品质也可能相应提高。2021年，西北地区（伯恩利）以及苏格兰（艾希尔东区、艾希尔北区、因弗克莱德、韦斯特邓巴顿郡）的某些城镇被认定为首次购房者的最经济实惠地区。