Mortgages · Perth

Mortgages in Perth. The typical home needs £23,165 down.

The average home in Perth (the Perth and Kinross area) is £231,646 in the UK House Price Index for August 2026, down 0.6% on a year earlier. With a 10% deposit of £23,165, you would borrow £208,481.

Mortgages in Perth: a Homie illustration

£231,646average home, UK HPI
£23,16510% deposit
£46,329household income at 4.5× the loan
£1,133LBTT for a first-time buyer

The short answer

Mortgages in Perth, in 30 seconds

The price: The average home in Perth is £231,646.
The deposit: 10% is £23,165. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £208,481 loan needs roughly £46,329 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

Perth house prices since 2016

From £159,244 to £231,646. Up 16% over five years.

Average price each year to August 2026, Perth and Kinross.

FAQ

Mortgages in Perth: your questions

How much deposit do I need to buy in Perth?

At the average price of £231,646, a 10% deposit is £23,165 and 5% is £11,582. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Perth?

With 10% down on the average home, the loan is £208,481. At 4.5 times income that means around £46,329 a year. Each lender sets its own limits, so treat this as a starting point.

Have Perth house prices gone up?

Over five years the average home is up 16%, and over the last year it is down 0.6%.

The rest of your move

Everything else for Perth

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