Mortgages · Braintree

Mortgages in Braintree. The typical home needs £33,009 down.

The average home in Braintree is £330,089 in the UK House Price Index for August 2026, up 1.6% on a year earlier. With a 10% deposit of £33,009, you would borrow £297,080.

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Mortgages in Braintree: a Homie illustration

£330,089average home, UK HPI
£33,00910% deposit
£66,018household income at 4.5× the loan
£1,504stamp duty for a first-time buyer

The short answer

Mortgages in Braintree, in 30 seconds

The price: The average home in Braintree is £330,089.
The deposit: 10% is £33,009. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £297,080 loan needs roughly £66,018 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

Braintree house prices since 2016

From £264,393 to £330,089. Up 12.1% over five years.

Average price each year to August 2026, Braintree.

Nearby

How Braintree compares with its neighbours

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

Brentwood £522,672+10.8%
Chelmsford £376,682+10.1%
Basildon £366,218+11.7%
Braintree £330,089+12.1%
Colchester £294,210+7.1%
Clacton-on-Sea £260,636+6.3%

FAQ

Mortgages in Braintree: your questions

How much deposit do I need to buy in Braintree?

At the average price of £330,089, a 10% deposit is £33,009 and 5% is £16,504. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Braintree?

With 10% down on the average home, the loan is £297,080. At 4.5 times income that means around £66,018 a year. Each lender sets its own limits, so treat this as a starting point.

Have Braintree house prices gone up?

Over five years the average home is up 12.1%, and over the last year it is up 1.6%.

How do Braintree house prices compare with nearby towns?

The average home in Braintree is £330,089. It costs more in Brentwood (£522,672) and Chelmsford (£376,682). It costs less in Colchester (£294,210) and Clacton-on-Sea (£260,636).

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