Mortgages · Inverness

Mortgages in Inverness. The typical home needs £22,457 down.

The average home in Inverness (the Highland area) is £224,574 in the UK House Price Index for August 2026, up 7.4% on a year earlier. With a 10% deposit of £22,457, you would borrow £202,117.

Mortgages in Inverness: a Homie illustration

£224,574average home, UK HPI
£22,45710% deposit
£44,915household income at 4.5× the loan
£991LBTT for a first-time buyer

The short answer

Mortgages in Inverness, in 30 seconds

The price: The average home in Inverness is £224,574.
The deposit: 10% is £22,457. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £202,117 loan needs roughly £44,915 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

Inverness house prices since 2016

From £152,863 to £224,574. Up 23.2% over five years.

Average price each year to August 2026, Highland.

FAQ

Mortgages in Inverness: your questions

How much deposit do I need to buy in Inverness?

At the average price of £224,574, a 10% deposit is £22,457 and 5% is £11,229. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Inverness?

With 10% down on the average home, the loan is £202,117. At 4.5 times income that means around £44,915 a year. Each lender sets its own limits, so treat this as a starting point.

Have Inverness house prices gone up?

Over five years the average home is up 23.2%, and over the last year it is up 7.4%.

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