Mortgages · Cardiff

Mortgages in Cardiff. The typical home needs £27,244 down.

The average home in Cardiff is £272,443 in the UK House Price Index for August 2026, up 2.1% on a year earlier. With a 10% deposit of £27,244, you would borrow £245,199.

Mortgages in Cardiff: a mortgage adviser Homie with a key and a clipboard by a sold sign

£272,443average home, UK HPI
£27,24410% deposit
£54,489household income at 4.5× the loan
£2,847LTT for a first-time buyer

The short answer

Mortgages in Cardiff, in 30 seconds

The price: The average home in Cardiff is £272,443.
The deposit: 10% is £27,244. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £245,199 loan needs roughly £54,489 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

Cardiff house prices since 2016

From £190,760 to £272,443. Up 15.7% over five years.

Average price each year to August 2026, Cardiff.

FAQ

Mortgages in Cardiff: your questions

How much deposit do I need to buy in Cardiff?

At the average price of £272,443, a 10% deposit is £27,244 and 5% is £13,622. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Cardiff?

With 10% down on the average home, the loan is £245,199. At 4.5 times income that means around £54,489 a year. Each lender sets its own limits, so treat this as a starting point.

Have Cardiff house prices gone up?

Over five years the average home is up 15.7%, and over the last year it is up 2.1%.

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