The best areas to up-size your property potential for the lowest cost

bricks rubble

Leading property finance specialists, One77 Mortgages, has looked at where across the UK offers the smallest monetary step when looking to up-size and increase your property potential.

One77 analysed Land Registry house price data to highlight the smallest increases in property price between a flat and each type of house from terraced, semi-detached and detached for a property on the UK mainland.

Flat to Terraced

When upsizing, even the move from a flat to a terraced home can make a considerable difference and on average across the UK this move costs an additional £12,432.

The Isle of Anglesey is home to the smallest jump between flat and terraced at £4,819, followed by Manchester (£6,615), Liverpool (£6,937), Newcastle-under-Lyme (£8,229), Nottingham (£9,829), Rossendale (£10,601) Oldham (£10,930), Salford (£11,815), Middlesbrough (£12,998) and Bradford (£13,047).

Flat to Semi

County Durham provides the most affordable step between a flat and a semi-detached home at £33,627. Again Anglesey ranks high, followed by Carmarthenshire (£37,611), South Yorkshire (£37,922), Newcastle-under-Lyme (£39,419), Copeland (£40,311) East Ayrshire (£41,228), Stoke-on-Trent (£41,521), Doncaster (£42,293) and North Ayrshire (£42,523).

Flat to Detached

The most notable up-size is of course between a flat and detached home, adding serious property potential although the cost is, of course, much larger with the most affordable up-size found in Burnley, home to a difference of £100,401 between the cost of a flat and detached home.

Country Durham, Stoke-on-Trent, Hyndburn, Carmarthenshire, Dumfries and Galloway, Blaenau Gwent, Blackpool, East Ayrshire and Neath Port Talbot are all home to a gap of between £102-112k.

Managing Director of One77 Mortgages, Alastair McKee, commented:

“We don’t often consider up-sizing straight off the bat and for many, the high cost of homeownership means that making it on the ladder at all is an achievement in itself. However, we’re currently enjoying a prolonged period of affordability where mortgage rates are concerned, in fact, some of the best on record, and this is likely to be the case for the mid-term at the very least.

Although we always advise strongly against anyone borrowing beyond their means, in current conditions it could pay to look a little harder, save for a little longer and increase your property potential now rather than later while taking advantage of a good rate of interest on your monthly payments.

While it’s unlikely that anyone will be making the jump straight from a flat to a detached home, the difference of between £1,500 and £12,00 to up-size to a terraced home would be a very manageable sum when considered on a monthly basis.”

Top 10 – by smallest step from flat to terraced
Location
Difference (£)
Isle of Anglesey
£4,819
Manchester
£6,615
Liverpool
£6,937
Newcastle-under-Lyme
£8,229
City of Nottingham
£9,829
Rossendale
£10,601
Oldham
£10,930
Salford
£11,815
Middlesbrough
£12,998
Bradford
£13,047
Top 10 – by smallest step from flat to semi-detached
Location
Difference (£)
County Durham
£33,627
Isle of Anglesey
£34,769
Carmarthenshire
£37,611
South Yorkshire
£37,922
Newcastle-under-Lyme
£39,419
Copeland
£40,311
East Ayrshire
£41,228
Stoke-on-Trent
£41,521
Doncaster
£42,293
North Ayrshire
£42,523
Top 10 – by smallest step from flat to detached
Location
Difference (£)
Burnley
£100,401
County Durham
£102,233
Stoke-on-Trent
£105,220
Hyndburn
£106,378
Carmarthenshire
£107,096
Dumfries and Galloway
£107,784
Blaenau Gwent
£109,616
Blackpool
£110,453
East Ayrshire
£110,952
Neath Port Talbot
£111,344

 

EAN Content

Content shared by this account is either news shared free by third parties or sponsored (paid for) content from third parties. Please be advised that links to third party websites are not endorsed by Estate Agent Networking - Please do your own research before committing to any third party business promoted on our website. As an Amazon Associate, I earn from qualifying purchases.

You May Also Enjoy

Breaking News

Volume doubles as property market sees strong return of new applicants

Foxtons Lettings Market Index – January 2026 Demand rebounded sharply from December, with registrations up 93% month on month and new renters per instruction up 11% compared to December, reflecting a seasonal uplift in activity at the start of the year. New renters per new instruction fell 12% year on year, indicating that competitive pressure…
Read More
Rightmove logo
Breaking News

Property valuation leads to agents up 50% on last year

The launch of a new valuation product and AI optimisations to the existing product suite led to a significant uplift in valuation leads for agents from Rightmove in January. Valuation leads grew by 50% in January 2026 compared to the same period last year. The launch of Online Agent Valuation towards the end of 2025 helps connect…
Read More
Breaking News

Worst areas for landlord eviction waiting times

The latest research industry insight from LegalforLandlords has highlighted where the longest and shortest wait times are when it comes to court hearing dates for landlords who are trying to repossess their properties, with the most overstretched courts found in the likes of Birmingham, Croydon, and Slough. Having analysed internal data on wait times for…
Read More
Breaking News

726,000 rented homes could remain non-decent by 2035

And that’s without holding them to the updated standard outlined in the recent DHS consultation A new consultation on the Decent Homes Standard (DHS) has suggested that all rented homes, private and social, must meet an updated, more stringent standard by 2035. However, new research from Inventory Base reveals that if the current rate of…
Read More
Breaking News

UK House Price Index for December 2025

The latest UK House Price Index shows that: The average monthly rate of house price growth in December was -0.7%. Average UK house price annual inflation was 2.4% in the 12 months to December 2025. As a result, the average UK house price currently sits at £270,000.   Here are some thoughts from the Industry.…
Read More
Cozy Pet Cat Tree Grey
Breaking News

10 things all tenants need to know when renting now

The Renters’ Rights Act 2025 received Royal Assent on 27th October 2025 and will introduce major reforms to private renting in England. The first raft of measures affecting tenants will come into force on 1st May this year. So, whether you currently have a tenancy agreement or are planning to rent this year, here are…
Read More