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Mortgages · Bradford

Mortgages in Bradford. The typical home needs £18,530 down.

The average home in Bradford is £185,297 in the UK House Price Index for August 2026, up 2.1% on a year earlier. With a 10% deposit of £18,530, you would borrow £166,767.

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Mortgages in Bradford: a mortgage adviser Homie with a key and a clipboard by a sold sign
  • £185,297average home, UK HPI
  • £18,53010% deposit
  • £37,059household income at 4.5× the loan
  • £0stamp duty for a first-time buyer
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The short answer

Mortgages in Bradford, in 30 seconds

The price
The average home in Bradford is £185,297.
The deposit
10% is £18,530. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £166,767 loan needs roughly £37,059 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

Bradford house prices since 2016

From £125,459 to £185,297. Up 24.6% over five years.

2016 2019 2022 2025 2026
Average price each year to August 2026, Bradford.

Nearby

How Bradford compares with its neighbours

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

FAQ

Mortgages in Bradford: your questions

How much deposit do I need to buy in Bradford?

At the average price of £185,297, a 10% deposit is £18,530 and 5% is £9,265. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Bradford?

With 10% down on the average home, the loan is £166,767. At 4.5 times income that means around £37,059 a year. Each lender sets its own limits, so treat this as a starting point.

Have Bradford house prices gone up?

Over five years the average home is up 24.6%, and over the last year it is up 2.1%.

How do Bradford house prices compare with nearby towns?

The average home in Bradford is £185,297. It costs more in Leeds (£246,385) and Dewsbury (£208,427).

The rest of your move

Everything else for Bradford

Mortgages nearby

Ready when you are, Bradford.

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

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