Homemove - The home of moving home
Homes For Sale Homes To Rent
Guides
Moving guides Which survey do I need? Home issues A to Z Glossary Moving journey planner Help to Buy statistics Articles and FAQs
Services
Estate Agents Mortgages Legal Surveys Removals Cleaning Broadband Energy Home Insurance
Other Products
Help-to-Buy Bundles First-Time Buyer Environmental Report
Tools
Instant Valuation EPC Checker Property Risk Calculator Council Tax Band Checker Mortgage Calculator Broadband Speed Test
Games
Sign In / Register

Mortgages · Newcastle upon Tyne

Mortgages in Newcastle upon Tyne. The typical home needs £21,126 down.

The average home in Newcastle upon Tyne is £211,255 in the UK House Price Index for August 2026, up 5.8% on a year earlier. With a 10% deposit of £21,126, you would borrow £190,129.

Get started
Mortgages in Newcastle upon Tyne: a mortgage adviser Homie with a key and a clipboard by a sold sign
  • £211,255average home, UK HPI
  • £21,12610% deposit
  • £42,251household income at 4.5× the loan
  • £0stamp duty for a first-time buyer
ITV News TV Appearance The Times Featured AI Tech Company The Guardian - Homemove Insert Feature

The short answer

Mortgages in Newcastle upon Tyne, in 30 seconds

The price
The average home in Newcastle upon Tyne is £211,255.
The deposit
10% is £21,126. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £190,129 loan needs roughly £42,251 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

Newcastle upon Tyne house prices since 2016

From £156,636 to £211,255. Up 23.2% over five years.

2016 2019 2022 2025 2026
Average price each year to August 2026, Newcastle upon Tyne.

Nearby

How Newcastle upon Tyne compares with its neighbours

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

FAQ

Mortgages in Newcastle upon Tyne: your questions

How much deposit do I need to buy in Newcastle upon Tyne?

At the average price of £211,255, a 10% deposit is £21,126 and 5% is £10,563. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Newcastle upon Tyne?

With 10% down on the average home, the loan is £190,129. At 4.5 times income that means around £42,251 a year. Each lender sets its own limits, so treat this as a starting point.

Have Newcastle upon Tyne house prices gone up?

Over five years the average home is up 23.2%, and over the last year it is up 5.8%.

How do Newcastle upon Tyne house prices compare with nearby towns?

The average home in Newcastle upon Tyne is £211,255. It costs less in Gateshead (£156,036) and Sunderland (£147,763).

The rest of your move

Everything else for Newcastle upon Tyne

Mortgages nearby

Ready when you are, Newcastle upon Tyne.

Mortgages for your Newcastle upon Tyne move, tracked in the same Homemove dashboard as everything else.

Get started
Cookie settings

We use cookies to improve your experience. · Privacy · Cookies