Mortgages · Colwyn Bay

Mortgages in Colwyn Bay. The typical home needs £21,824 down.

The average home in Colwyn Bay (the Conwy area) is £218,235 in the UK House Price Index for August 2026, up 3% on a year earlier. With a 10% deposit of £21,824, you would borrow £196,411.

Mortgages in Colwyn Bay: a Homie illustration

£218,235average home, UK HPI
£21,82410% deposit
£43,647household income at 4.5× the loan
£0LTT for a first-time buyer

The short answer

Mortgages in Colwyn Bay, in 30 seconds

The price: The average home in Colwyn Bay is £218,235.
The deposit: 10% is £21,824. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £196,411 loan needs roughly £43,647 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

Colwyn Bay house prices since 2016

From £139,484 to £218,235. Up 16.7% over five years.

Average price each year to August 2026, Conwy.

FAQ

Mortgages in Colwyn Bay: your questions

How much deposit do I need to buy in Colwyn Bay?

At the average price of £218,235, a 10% deposit is £21,824 and 5% is £10,912. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Colwyn Bay?

With 10% down on the average home, the loan is £196,411. At 4.5 times income that means around £43,647 a year. Each lender sets its own limits, so treat this as a starting point.

Have Colwyn Bay house prices gone up?

Over five years the average home is up 16.7%, and over the last year it is up 3%.

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