The Bury and Bolton housing market is set for a fresh wave of optimism as new figures reveal a surge in the availability of low-deposit mortgages – a significant boost for first-time buyers in the towns.
According to data from Moneyfacts, more mortgage deals require just a 5% or 10% deposit than ever since the 2008 financial crisis. This growing choice is especially encouraging for aspiring Bolton and Bury homeowners, whose property market remains vibrant and competitive.
Currently (April 2025), those able to put down a 5% deposit have access to 442 mortgage products—more than double the number available just two years ago. Buyers with a 10% deposit can now choose from 845 deals, up from 684 in April 2023. While mortgage rates remain above 5% on average, the expanding variety of options offers a lifeline to those struggling to save amid high rental costs.
In Bury and Bolton, this trend couldn’t come at a better time. With house prices continuing to show steady growth and properties typically selling within weeks of being listed, the local market is proving its resilience and appeal. For first-time buyers, particularly young professionals and families drawn to Bolton and Bury’s blend of affordability, amenities, countryside, outstanding schools, and excellent transport links, the increase in low-deposit mortgage products could be the key to getting on the property ladder and others moving to more family-friendly homes.
For those looking to buy in 2025, Bolton and Bury’s property market offers not only a range of property types—from modern apartments to character-filled country homes—but also greater financial flexibility. With more mortgage products on the table than ever in recent years, the dream of homeownership is becoming a reality for more people in our town.
If you are looking for a home, visit www.cardwells.co.uk or pop into our Bury office on Market Street opposite the Met theatre.
Ready to Sell Your Property? Let’s Get Started!
If you’re considering selling a property in Bolton or Bury, trust the experts at Cardwells Estate Agents to make the process smooth, efficient, and successful. Contact us today to arrange a free property valuation or to discuss how our innovative marketing strategies can help you achieve the best possible price for your home.
With Cardwells, your property is in the safest hands. Let’s make your sale a success—together.
Cardwells Estate Agents Bolton and Cardwells Estate Agents Bury are available for an up-to-date property valuation. We can provide an accurate valuation of your property for free, and that may be a great place to start the process of potentially selling your property in Bury or Bolton. Just put a few details in this form, and we will go from there: https://www.cardwells.co.uk/sell-with-cardwells/
If you are considering selling a house in Bury, be it through auction or traditional methods, letting a property in Bury, or selling a commercial property in Bury, for example, Cardwells Estate Agents Bury is your ideal starting point for all your residential and commercial property needs. Just call Cardwells Estate Agents Bury on 01617611215, email: [email protected], or visit www.Cardwells.co.uk or pop your details into this form and we will call you back https://www.cardwells.co.uk/sell-with-cardwells/
Suppose you are thinking of selling a property in Bolton via auction or a more traditional method, letting a house in Bolton, selling commercial property in Bolton, letting a flat in Bolton, letting a shop in Bolton, selling a home in Bolton, for example. In that case, Cardwells Estate Agents Bolton are your perfect Estate Agents in Bolton. Cardwells Estate Agents Bolton 01204381281, email: [email protected] or visit us at www.Cardwells.co.uk or pop your details into this form and we will call you back https://www.cardwells.co.uk/sell-with-cardwells/
Cardwells can introduce you to independent financial advisors who can help you find the best possible mortgage product for your upcoming move or remortgage. Just fill in the form here: https://www.cardwells.co.uk/mortgages-financial-services/, and we will pass your details on to them.
Cardwells are the market-leading estate agents in Bolton and Bury and are here to work for you and get you the best possible price for your home. Cardwells Estate Agents is a long-established company, having been formed by Andrew’s Father, Richard, in 1982.
Cardwells Estate Agents Bolton:
01204381281
[email protected]
www.Cardwells.co.uk
Cardwells Estate Agents Bury
01617611215
[email protected]
www.Cardwells.co.uk
