Moneynet launches a monthly bulletin showing UK average property values and mortgage borrowing patterns.
The financial data comparison service compiled the information from 7,100 random visitors to the Moneynet website throughout January 2005.
The results show that the average UK house value is 202,990, up 6.7 per cent from January 2004 when this figure was 190,231.
First time buyers homes have also increased in value from 2004. The average cost of a FTBs home is 187,428, compared with 162,317 last year.
The site showed that the average UK salary is currently 39,768, with FTB salaries averaging at 36,338, raising concerns over affordability.
The overall average mortgage amount is 137,041, a 68 per cent LTV, while the cost of remortgaging has also gone up. Remortgaged properties are at an average value of 256,578, requiring a mortgage amount of 166,647 a 65 per cent LTV.
Moneynet chief executive Richard Brown says: “Our new mortgage borrowing focus will deliver an at a glance state-of-the-market idea of consumer borrowing patterns in this crucial area of the economy.”