Mortgages · Fareham

Mortgages in Fareham. The typical home needs £33,430 down.

The average home in Fareham is £334,303 in the UK House Price Index for August 2026, up 0.5% on a year earlier. With a 10% deposit of £33,430, you would borrow £300,873.

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Mortgages in Fareham: a Homie illustration

£334,303average home, UK HPI
£33,43010% deposit
£66,861household income at 4.5× the loan
£1,715stamp duty for a first-time buyer

The short answer

Mortgages in Fareham, in 30 seconds

The price: The average home in Fareham is £334,303.
The deposit: 10% is £33,430. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £300,873 loan needs roughly £66,861 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

Fareham house prices since 2016

From £256,942 to £334,303. Up 8.3% over five years.

Average price each year to August 2026, Fareham.

Nearby

How Fareham compares with its neighbours

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

Fleet £472,755+11.5%
Basingstoke £373,551+16.5%
Andover £372,289+11.9%
Fareham £334,303+8.3%
Aldershot £326,799+10.4%
Eastleigh £312,753+5.4%

FAQ

Mortgages in Fareham: your questions

How much deposit do I need to buy in Fareham?

At the average price of £334,303, a 10% deposit is £33,430 and 5% is £16,715. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Fareham?

With 10% down on the average home, the loan is £300,873. At 4.5 times income that means around £66,861 a year. Each lender sets its own limits, so treat this as a starting point.

Have Fareham house prices gone up?

Over five years the average home is up 8.3%, and over the last year it is up 0.5%.

How do Fareham house prices compare with nearby towns?

The average home in Fareham is £334,303. It costs more in Fleet (£472,755) and Basingstoke (£373,551). It costs less in Aldershot (£326,799) and Eastleigh (£312,753).

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