For years, Liverpool has been hailed as one of the most accessible cities for first-time buyers. But with rising prices and increasing competition, is 2025 still a good year to get on the ladder?

1. Affordability is Tightening, but Still Better Than Most

Yes, prices are rising, but Liverpool still offers significantly better value than Manchester, Leeds, or London. Average house prices remain well below the UK average, and there are still affordable pockets in areas like Anfield, Wavertree, and Kensington.

2. Mortgage Deals Are Improving

With inflation stabilising and base rates showing signs of easing, lenders are gradually offering more competitive first-time buyer products. Many banks are rolling out 90–95% LTV options again, which is good news for buyers with smaller deposits.

3. New-Build Incentives Are Back

Developers across Liverpool are offering tailored incentives, from deposit contributions to furniture packages and help with legal fees. First-time buyers should explore these options when house hunting, particularly in regeneration areas.

4. Timing the Market Isn’t Everything

Trying to “time the bottom” of the market is tricky. If you’re financially ready, have a mortgage in principle, and find a home that suits your needs, now could still be a great time to buy, especially before prices rise further.

Key Tip: Act quickly when you find a property you like, but don’t be afraid to negotiate. Many sellers are open to sensible offers, especially from chain-free first-time buyers.

Call Kuavo today on 0151 541 7087, whether you’re a first-time buyer, looking to sell your home, or searching for the perfect rental, our local experts are here to help you every step of the way.

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