Mortgages · Coatbridge

Mortgages in Coatbridge. The typical home needs £16,116 down.

The average home in Coatbridge (the North Lanarkshire area) is £161,163 in the UK House Price Index for August 2026, up 3.9% on a year earlier. With a 10% deposit of £16,116, you would borrow £145,047.

Mortgages in Coatbridge: a Homie illustration

£161,163average home, UK HPI
£16,11610% deposit
£32,233household income at 4.5× the loan
£0LBTT for a first-time buyer

The short answer

Mortgages in Coatbridge, in 30 seconds

The price: The average home in Coatbridge is £161,163.
The deposit: 10% is £16,116. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £145,047 loan needs roughly £32,233 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

Coatbridge house prices since 2016

From £103,065 to £161,163. Up 26.4% over five years.

Average price each year to August 2026, North Lanarkshire.

Nearby

How Coatbridge compares with its neighbours

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

Hamilton £186,196+25.1%
Coatbridge £161,163+26.4%

FAQ

Mortgages in Coatbridge: your questions

How much deposit do I need to buy in Coatbridge?

At the average price of £161,163, a 10% deposit is £16,116 and 5% is £8,058. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Coatbridge?

With 10% down on the average home, the loan is £145,047. At 4.5 times income that means around £32,233 a year. Each lender sets its own limits, so treat this as a starting point.

Have Coatbridge house prices gone up?

Over five years the average home is up 26.4%, and over the last year it is up 3.9%.

How do Coatbridge house prices compare with nearby towns?

The average home in Coatbridge is £161,163. It costs more in Hamilton (£186,196).

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