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Mortgages · Godalming

Mortgages in Godalming. The typical home needs £55,931 down.

The average home in Godalming (the Waverley area) is £559,306 in the UK House Price Index for August 2026, down 2% on a year earlier. With a 10% deposit of £55,931, you would borrow £503,375.

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Mortgages in Godalming: a Homie illustration
  • £559,306average home, UK HPI
  • £55,93110% deposit
  • £111,861household income at 4.5× the loan
  • £17,965stamp duty for a first-time buyer
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The short answer

Mortgages in Godalming, in 30 seconds

The price
The average home in Godalming is £559,306.
The deposit
10% is £55,931. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £503,375 loan needs roughly £111,861 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

Godalming house prices since 2016

From £465,187 to £559,306. Up 9.8% over five years.

2016 2019 2022 2025 2026
Average price each year to August 2026, Waverley.

Nearby

How Godalming compares with its neighbours

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

FAQ

Mortgages in Godalming: your questions

How much deposit do I need to buy in Godalming?

At the average price of £559,306, a 10% deposit is £55,931 and 5% is £27,965. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Godalming?

With 10% down on the average home, the loan is £503,375. At 4.5 times income that means around £111,861 a year. Each lender sets its own limits, so treat this as a starting point.

Have Godalming house prices gone up?

Over five years the average home is up 9.8%, and over the last year it is down 2%.

How do Godalming house prices compare with nearby towns?

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

The rest of your move

Everything else for Godalming

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Mortgages for your Godalming move, tracked in the same Homemove dashboard as everything else.

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