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Mortgages · Portsmouth

Mortgages in Portsmouth. The typical home needs £24,595 down.

The average home in Portsmouth is £245,954 in the UK House Price Index for August 2026, up 0.1% on a year earlier. With a 10% deposit of £24,595, you would borrow £221,359.

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Mortgages in Portsmouth: a mortgage adviser Homie with a key and a clipboard by a sold sign
  • £245,954average home, UK HPI
  • £24,59510% deposit
  • £49,191household income at 4.5× the loan
  • £0stamp duty for a first-time buyer
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The short answer

Mortgages in Portsmouth, in 30 seconds

The price
The average home in Portsmouth is £245,954.
The deposit
10% is £24,595. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £221,359 loan needs roughly £49,191 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

Portsmouth house prices since 2016

From £188,391 to £245,954. Up 7.9% over five years.

2016 2019 2022 2025 2026
Average price each year to August 2026, Portsmouth.

Nearby

How Portsmouth compares with its neighbours

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

FAQ

Mortgages in Portsmouth: your questions

How much deposit do I need to buy in Portsmouth?

At the average price of £245,954, a 10% deposit is £24,595 and 5% is £12,298. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Portsmouth?

With 10% down on the average home, the loan is £221,359. At 4.5 times income that means around £49,191 a year. Each lender sets its own limits, so treat this as a starting point.

Have Portsmouth house prices gone up?

Over five years the average home is up 7.9%, and over the last year it is up 0.1%.

How do Portsmouth house prices compare with nearby towns?

The average home in Portsmouth is £245,954. It costs more in Basingstoke (£373,551) and Andover (£372,289).

The rest of your move

Everything else for Portsmouth

Mortgages nearby

Ready when you are, Portsmouth.

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

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