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Mortgages · Basingstoke

Mortgages in Basingstoke. The typical home needs £37,355 down.

The average home in Basingstoke (the Basingstoke and Deane area) is £373,551 in the UK House Price Index for August 2026, up 2.2% on a year earlier. With a 10% deposit of £37,355, you would borrow £336,196.

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Mortgages in Basingstoke: a Homie illustration
  • £373,551average home, UK HPI
  • £37,35510% deposit
  • £74,710household income at 4.5× the loan
  • £3,678stamp duty for a first-time buyer
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The short answer

Mortgages in Basingstoke, in 30 seconds

The price
The average home in Basingstoke is £373,551.
The deposit
10% is £37,355. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £336,196 loan needs roughly £74,710 a year, alone or jointly.
The advice
A free consultation with a specialist adviser looks at deals across the market for your own numbers.

Ten years of prices

Basingstoke house prices since 2016

From £295,364 to £373,551. Up 16.5% over five years.

2016 2019 2022 2025 2026
Average price each year to August 2026, Basingstoke and Deane.

Nearby

How Basingstoke compares with its neighbours

Average home in each council area, with the change over five years.

FAQ

Mortgages in Basingstoke: your questions

How much deposit do I need to buy in Basingstoke?

At the average price of £373,551, a 10% deposit is £37,355 and 5% is £18,678. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Basingstoke?

With 10% down on the average home, the loan is £336,196. At 4.5 times income that means around £74,710 a year. Each lender sets its own limits, so treat this as a starting point.

Have Basingstoke house prices gone up?

Over five years the average home is up 16.5%, and over the last year it is up 2.2%.

How do Basingstoke house prices compare with nearby towns?

The average home in Basingstoke is £373,551. It costs more in Fleet (£472,755). It costs less in Aldershot (£326,799) and Eastleigh (£312,753).

The rest of your move

Everything else for Basingstoke

Mortgages nearby

Ready when you are, Basingstoke.

Mortgages for your Basingstoke move, tracked in the same Homemove dashboard as everything else.

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