Where To Look For Affordable Homes To Buy?

Buying your first home and getting yourself onto the property ladder is a huge achievement. However, for those on a low income, buying a home can be incredibly challenging. Thankfully, many areas offer affordable homes to buy. The key is knowing where to look.

In this blog, we’re going to highlight some of the cheaper areas to buy property in England. We will also outline how you can buy an affordable home through a housing association.

Top Locations For Affordable Home To Buy

If you are looking for an affordable home in the North of the country, you have plenty of choices. Middlesbrough, Bradford and Lancashire are among the top ten cheapest places to buy in the UK. As are Sunderland, Grimsby and Shildon.

In the Midlands and down south, affordable homes are harder to come by, but that doesn’t mean they aren’t available. Camberley in Surrey, for example, offers affordable homes in the South East.


A survey carried out last year (2020) found that Middlesbrough topped the list of cheapest places to buy a home in the UK. The average price of a home in Middlesbrough is currently £54,978. When compared to the current average house price in the UK, which is £268,000, this is incredibly affordable.

Located on the bank of the River Tees, the large industrial town is currently undergoing a regeneration scheme. It is home to the University of Teesside as well as a range of shopping centres, amenities and public parks.


In the same survey, Bradford was ranked as the second most affordable place to buy a home in the UK. Located in the foothills of the Pennines, you can purchase a house in Bradford for just £58,673.

 The vibrant metropolitan city offers plenty of history and culture, including two UNESCO heritage sites. Plus, you will have miles of breath-taking countryside on your doorstep.


If you’re looking for an affordable home in a rural area, Lancashire will be perfect for you. This scenic county ranked 6th on the list of cheapest places, with an average house price of £91,516.

Built on medieval and industrial heritage, Lancashire is a hub for charming market towns, spectacular attractions, and amazing outdoor experiences.

Camberley, Surrey

If you are looking for something affordable in the South of the country, Surrey may be a great place to start. In 2020, the magazine Homes & Property described Camberley in Surrey as the town everybody wants to move to, thanks to its “deeply affordable” property. The town has a range of amenities including shopping centres, a cinema, and a sports centre.

One such affordable option for those looking to buy is our new housing development at Addlestone.

Buying An Affordable Home Through Shared Ownership

Shared Ownership is one of the government’s Help To Buy schemes. It allows people renting a housing association property to buy a share in the home whilst paying subsided rent on the rest. This share is usually between 25% and 75%.

You can continue to buy additional shares in your home through a process known as staircasing. Shared Ownership homes are leasehold until you own 100% of the property.

Shared ownership is beneficial as it helps you get on the property ladder whilst paying lower monthly costs than if you were paying rent. Plus, the share is tailored to your financial situation, ensuring it remains affordable.

Find out more about Shared Ownership.

Get In Touch

Are you looking to buy an affordable home in the UK? View available properties here.

Accent Housing is a housing association that has been providing homes and services for a diverse range of people since 1966. Accent Housing has more than 20,000 homes across England, spread over the North, East and South. They aim to provide high-quality, affordable homes that will improve the lives of their residents.

Google translate Google translate
click to choose
Colour contrast Contrast
Font size Text size
svg_logocutout svgsvgsvgsvgsvgsvgsvgsvgsvgsvgsvg