First-Time Buyers in Chester: What You Need to Know

Buying your first home is a big milestone—and doing it in a historic and desirable city like Chester can make it even more rewarding. But with average property prices approaching £299,000, and ongoing competition from both investors and movers, it's more important than ever for first-time buyers to be well prepared.

In this guide, we’ll break down the key things you need to know as a first-time buyer in Chester in 2025—covering everything from property prices and mortgage options to local hotspots and helpful tips.

Average Property Prices for First-Time Buyers in Chester

As of mid-2025, the average house price in Chester is around £299,000, with first-time buyer-friendly options (like terraces and flats) typically ranging from £180,000–£240,000, depending on the area.

Price breakdown by property type:

• Flats – from £130,000

• Terraced homes – from £170,000

• Semi-detached – from £225,000

• New builds – from £250,000+

While prices have grown moderately over the past year (around 4% YoY), Chester still offers relatively good value compared to southern cities, especially when considering quality of life and commuter links.

Best Areas in Chester for First-Time Buyers

Looking for value and community feel? These areas are popular with first-time buyers in Chester:

• Hoole – Trendy and close to the city centre, with a mix of Victorian terraces and flats.

• Boughton – A bit quieter, with good schools and river access.

• Upton – Great for families, with green space and more affordable prices.

• Saltney & Blacon – Ideal for budget-conscious buyers or those open to cosmetic renovations.

• Handbridge – Leafy, desirable, and walkable to town—though slightly more expensive.

Each neighbourhood offers a unique lifestyle, so it’s worth viewing properties in a few different spots to see what suits you best.

What Mortgage Help Is Available for First-Time Buyers?

There are several schemes and products available in 2025 to help you get on the property ladder:

Popular Options:

• 5% Deposit Mortgages – Ideal if you’re struggling to save a large deposit.

• Shared Ownership – Buy a share of a property and pay rent on the rest.

• Joint Borrower Sole Proprietor Mortgages – Perfect for using a family member’s income without adding them to the deeds.

• Green Mortgages – Some lenders offer better rates for energy-efficient homes.

Working with a mortgage broker in Chester (like us!) means you can access exclusive deals and advice tailored to your income, deposit, and local property preferences.

Top Tips for First-Time Buyers in Chester

1. Get a Mortgage Agreement in Principle Early

   This helps you know your budget and makes offers more credible to sellers.

2. Factor in Additional Cost

   Budget for solicitor fees, surveys, and stamp duty (first-time buyers don’t pay it under £425,000).

3. Act Fast on Good Properties

   The Chester market is competitive, especially under £250k—if you like something, book a second viewing quickly.

4. Check Public Transport & Commute Links

   Chester has excellent road and rail links—great if you’re commuting to Liverpool, Manchester, or Wrexham.

5. Consider Future Resale Value

   Homes near green spaces, schools, or the city centre tend to hold value better over time.

   
   

How We Help First-Time Buyers in Chester

At Greymere Finance, we specialise in helping first-time buyers get onto the property ladder. From comparing 100+ lenders to helping you understand your budget and explaining everything in plain English—we're with you from start to keys in hand.

Final Thoughts

Chester is a fantastic city for first-time buyers in 2025. With competitive mortgage options, strong long-term value, and a mix of lifestyle-friendly areas to choose from, now is a great time to explore your options.

If you're ready to take your first step, we’re here to help.