Nearly 360,000 people stepped on to the property ladder last year. Could this be your year to join them? Here’s 11 starter homes, from Newquay to Edinburgh, priced from £120,000.

A typical first-time buyer now pays an average £212,079 for their first home, according to the latest data from Halifax.

But this figure varies dramatically when broken down across the UK. Take a look at what you could buy for the average price of a first-stepper’s home in each region.

Region: Greater London

Average (house price for first-time buyers): £422,580

One-bedroom flat in Camden, for £425,000

It’s no surprise that London is the most expensive place to purchase for first-time buyers. The asking price of this one-bedroom apartment is just over the average for the capital, but you might be able to haggle the price down. The flat is fairly cosy, but with Camden, Regent’s Park and Kings Cross all on the doorstep, its location makes up for it.

Available via London Residential 

Region: South East 

Average: £278,749 

Three-bedroom terraced house in Maidstone, Kent, for £275,000

Prices in the south east still far outstrip the overall average £212,079 paid by first-time buyers, but you’ll get significantly more for your money outside the capital. This attractive Victorian terrace has been tastefully updated to include a country-style kitchen, a conservatory and a loft conversion.

Available via Sandersons 

Region: East Anglia 

Average: £207,103 

Three-bedroom detached house in Swaffham, Norfolk, for £210,000

Coming in just over the average price for East Anglia is this detached new home that was built by Taylor Wimpey in 2014. A modern kitchen-dining room, a master bedroom with an en suite bathroom and a spacious low-maintenance garden are among its family-friendly features.

Available via William H Brown 

Region: South West 

Average: £205,333 

Two-bedroom flat in Pentire, Newquay, for £205,000

Although currently used as a holiday home, this ground-floor flat with sea views would also be a great first-step on to the property ladder. It’s in pristine condition and comes with the extra perks of a video entry-system and a designated parking space. You’ll also be within walking distance of Fistral Beach, which is famed for its surfing.

Available via Start & Co 

Region: West Midlands 

Average: £168,627 

Four-bedroom terraced house in Tipton, for £165,000

Conveniently located between Birmingham and Wolverhampton, this four-bedroom townhouse would put you several steps up the property ladder. It’s perfect for commuters thanks to its detached garage and off-street parking, and Tipton’s train station is just half a mile away.

Available via Connells 

Region: East Midlands 

Average: £163,005 

Three-bedroom semi-detached house in Netherfield, Nottingham, for £160,000

If you like older properties but getting stuck into renovation works isn’t your thing, then this recently refurbished Victorian home should tick all your boxes. There’s a brand-new combi boiler, stylish kitchen and a smart bathroom. All three of its bedrooms are doubles and it also offers a hassle-free paved yard.

Available via HoldenCopley

How much can you afford in repayments? Compare the best mortgage deals on the market with our partners, Money 

Region: North West 

Average: £149,990 

Three-bedroom semi-detached house in Lancaster, Lancashire for £150,000

This well-kept semi-detached home on the outskirts of Lancaster has already had its price knocked down from £160,000, so there might be room to negotiate if you fancy making an offer. Perks include an orangery, a chic kitchen, front and back gardens, along with plenty of space for parking.

Available via Reeds Rains 

Region: Scotland 

Average: £140,010 

One-bedroom flat in Lochend, Edinburgh, for £140,000

Your money won’t go quite as far in Edinburgh, but this one-bedroom flat in a modern development has all the amenities a first-time buyer could want. It’s move-in ready and you’ll be able to take advantage of landscaped grounds, a secure entry system, shared bike storage and an allocated underground parking space.

Available via Mov8 Real Estate 

Region: Yorkshire and the Humber 

Average: £139,970 

Two-bedroom bungalow in Middleton, Leeds, for £140,000

It might not seem like an obvious choice for first-time buyers, but a bungalow isn’t dissimilar to a flat. This one has the extra bonus of being detached, and is a great starter home as it’s currently a blank canvas and, even better, it’s only a 20-minute drive to Leeds.

Available via Tudor Sales & Lettings Ltd 

Region: Wales 

Average: £139,875 

Three-bedroom semi-detached house in Bridgend, for £140,000

This Edwardian home has few of its original features left, but it has been transformed into a contemporary family home. Downstairs you’ll find a large living and dining room along with a spacious kitchen and a recently refurbished bathroom. Upstairs are three double bedrooms, two of which have their original floorboards exposed.

Available via Tepilo 

Region: Northern Ireland 

Average: £120,648 

Three-bedroom semi-detached house in Bangor, for £119,950

Northern Ireland ranks as the cheapest region for first-time buyers and this well-maintained home proves you can get plenty for your money. While the centre of Bangor is within walking distance, if you wanted to work in Belfast, it’s also an easy commute into the capital along the A2.

Available via Reeds Rains

First-time buyers: average price, loan and deposit by region, 2017:

 

Average house price (£s)

Average mortgage

(£s)

Average deposit (£s)

Deposit as % of purchase price

North

126,437

108,003

18,435

15%

Yorkshire and the Humber

139,970

119,292

20,678

15%

North West

149,990

127,841

22,148

15%

East Midlands

163,005

138,544

24,462

15%

West Midlands

168,627

143,248

25,378

15%

East Anglia

207,103

171,640

35,463

17%

Wales

139,875

121,278

18,596

13%

South West

205,333

169,044

         36,289

18%

South East

278,749

227,292

51,457

18%

Greater London

422,580

309,977

112,604

27%

Northern Ireland

120,648

103,012

17,636

15%

Scotland

140,010

118,550

21,460

15%

UK

212,079

178,740

33,339

16%

Sources: Halifax, UK Finance, HMRC 

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