Mortgages · Guildford

Mortgages in Guildford. The typical home needs £53,766 down.

The average home in Guildford is £537,660 in the UK House Price Index for August 2026, up 0.6% on a year earlier. With a 10% deposit of £53,766, you would borrow £483,894.

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Mortgages in Guildford: a mortgage adviser Homie with a key and a clipboard by a sold sign

£537,660average home, UK HPI
£53,76610% deposit
£107,532household income at 4.5× the loan
£16,883stamp duty for a first-time buyer

The short answer

Mortgages in Guildford, in 30 seconds

The price: The average home in Guildford is £537,660.
The deposit: 10% is £53,766. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £483,894 loan needs roughly £107,532 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

Guildford house prices since 2016

From £460,310 to £537,660. Up 11.9% over five years.

Average price each year to August 2026, Guildford.

Nearby

How Guildford 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%
Guildford £537,660+11.9%
Caterham Valley £506,774+1.1%
Addlestone £472,507+6.7%
Camberley £457,981+10.6%

FAQ

Mortgages in Guildford: your questions

How much deposit do I need to buy in Guildford?

At the average price of £537,660, a 10% deposit is £53,766 and 5% is £26,883. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Guildford?

With 10% down on the average home, the loan is £483,894. At 4.5 times income that means around £107,532 a year. Each lender sets its own limits, so treat this as a starting point.

Have Guildford house prices gone up?

Over five years the average home is up 11.9%, and over the last year it is up 0.6%.

How do Guildford house prices compare with nearby towns?

The average home in Guildford is £537,660. 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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