Mortgages · Caerphilly

Mortgages in Caerphilly. The typical home needs £19,855 down.

The average home in Caerphilly is £198,545 in the UK House Price Index for August 2026, up 4.4% on a year earlier. With a 10% deposit of £19,855, you would borrow £178,690.

Mortgages in Caerphilly: a Homie illustration

£198,545average home, UK HPI
£19,85510% deposit
£39,709household income at 4.5× the loan
£0LTT for a first-time buyer

The short answer

Mortgages in Caerphilly, in 30 seconds

The price: The average home in Caerphilly is £198,545.
The deposit: 10% is £19,855. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £178,690 loan needs roughly £39,709 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

Caerphilly house prices since 2016

From £116,974 to £198,545. Up 25.5% over five years.

Average price each year to August 2026, Caerphilly.

FAQ

Mortgages in Caerphilly: your questions

How much deposit do I need to buy in Caerphilly?

At the average price of £198,545, a 10% deposit is £19,855 and 5% is £9,927. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Caerphilly?

With 10% down on the average home, the loan is £178,690. At 4.5 times income that means around £39,709 a year. Each lender sets its own limits, so treat this as a starting point.

Have Caerphilly house prices gone up?

Over five years the average home is up 25.5%, and over the last year it is up 4.4%.

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