Mortgages · Paisley

Mortgages in Paisley. The typical home needs £15,774 down.

The average home in Paisley (the Renfrewshire area) is £157,738 in the UK House Price Index for August 2026, down 5.2% on a year earlier. With a 10% deposit of £15,774, you would borrow £141,964.

Mortgages in Paisley: a Homie illustration

£157,738average home, UK HPI
£15,77410% deposit
£31,548household income at 4.5× the loan
£0LBTT for a first-time buyer

The short answer

Mortgages in Paisley, in 30 seconds

The price: The average home in Paisley is £157,738.
The deposit: 10% is £15,774. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £141,964 loan needs roughly £31,548 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

Paisley house prices since 2016

From £106,572 to £157,738. Up 19.1% over five years.

Average price each year to August 2026, Renfrewshire.

FAQ

Mortgages in Paisley: your questions

How much deposit do I need to buy in Paisley?

At the average price of £157,738, a 10% deposit is £15,774 and 5% is £7,887. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Paisley?

With 10% down on the average home, the loan is £141,964. At 4.5 times income that means around £31,548 a year. Each lender sets its own limits, so treat this as a starting point.

Have Paisley house prices gone up?

Over five years the average home is up 19.1%, and over the last year it is down 5.2%.

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