Mortgages · Caterham Valley

Mortgages in Caterham Valley. The typical home needs £50,677 down.

The average home in Caterham Valley (the Tandridge area) is £506,774 in the UK House Price Index for August 2026, down 1.1% on a year earlier. With a 10% deposit of £50,677, you would borrow £456,097.

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Mortgages in Caterham Valley: a Homie illustration

£506,774average home, UK HPI
£50,67710% deposit
£101,355household income at 4.5× the loan
£15,339stamp duty for a first-time buyer

The short answer

Mortgages in Caterham Valley, in 30 seconds

The price: The average home in Caterham Valley is £506,774.
The deposit: 10% is £50,677. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £456,097 loan needs roughly £101,355 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

Caterham Valley house prices since 2016

From £434,173 to £506,774. Up 1.1% over five years.

Average price each year to August 2026, Tandridge.

Nearby

How Caterham Valley compares with its neighbours

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

Cobham £735,548+7.7%
Cranleigh £559,306+9.8%
Dorking £552,344+6.3%
Caterham Valley £506,774+1.1%
Addlestone £472,507+6.7%
Camberley £457,981+10.6%

FAQ

Mortgages in Caterham Valley: your questions

How much deposit do I need to buy in Caterham Valley?

At the average price of £506,774, a 10% deposit is £50,677 and 5% is £25,339. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Caterham Valley?

With 10% down on the average home, the loan is £456,097. At 4.5 times income that means around £101,355 a year. Each lender sets its own limits, so treat this as a starting point.

Have Caterham Valley house prices gone up?

Over five years the average home is up 1.1%, and over the last year it is down 1.1%.

How do Caterham Valley house prices compare with nearby towns?

The average home in Caterham Valley is £506,774. It costs more in Cobham (£735,548) and Cranleigh (£559,306). It costs less in Addlestone (£472,507) and Camberley (£457,981).

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