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Mortgages · Horley

Mortgages in Horley. The typical home needs £48,586 down.

The average home in Horley (the Reigate and Banstead area) is £485,856 in the UK House Price Index for August 2026, up 0.3% on a year earlier. With a 10% deposit of £48,586, you would borrow £437,270.

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Mortgages in Horley: a Homie illustration
  • £485,856average home, UK HPI
  • £48,58610% deposit
  • £97,171household income at 4.5× the loan
  • £9,293stamp duty for a first-time buyer
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The short answer

Mortgages in Horley, in 30 seconds

The price
The average home in Horley is £485,856.
The deposit
10% is £48,586. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £437,270 loan needs roughly £97,171 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

Horley house prices since 2016

From £422,136 to £485,856. Up 11.6% over five years.

2016 2019 2022 2025 2026
Average price each year to August 2026, Reigate and Banstead.

Nearby

How Horley compares with its neighbours

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

FAQ

Mortgages in Horley: your questions

How much deposit do I need to buy in Horley?

At the average price of £485,856, a 10% deposit is £48,586 and 5% is £24,293. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Horley?

With 10% down on the average home, the loan is £437,270. At 4.5 times income that means around £97,171 a year. Each lender sets its own limits, so treat this as a starting point.

Have Horley house prices gone up?

Over five years the average home is up 11.6%, and over the last year it is up 0.3%.

How do Horley house prices compare with nearby towns?

The average home in Horley is £485,856. It costs more in Cobham (£735,548) and Cranleigh (£559,306). It costs less in Addlestone (£472,507) and Camberley (£457,981).

The rest of your move

Everything else for Horley

Mortgages nearby

Ready when you are, Horley.

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

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