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Mortgages · Reading

Mortgages in Reading. The typical home needs £35,050 down.

The average home in Reading is £350,501 in the UK House Price Index for August 2026, down 0.4% on a year earlier. With a 10% deposit of £35,050, you would borrow £315,451.

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Mortgages in Reading: a Homie illustration
  • £350,501average home, UK HPI
  • £35,05010% deposit
  • £70,100household income at 4.5× the loan
  • £2,525stamp duty for a first-time buyer
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The short answer

Mortgages in Reading, in 30 seconds

The price
The average home in Reading is £350,501.
The deposit
10% is £35,050. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £315,451 loan needs roughly £70,100 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

Reading house prices since 2016

From £318,166 to £350,501. Up 11% over five years.

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

Nearby

How Reading compares with its neighbours

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

FAQ

Mortgages in Reading: your questions

How much deposit do I need to buy in Reading?

At the average price of £350,501, a 10% deposit is £35,050 and 5% is £17,525. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Reading?

With 10% down on the average home, the loan is £315,451. At 4.5 times income that means around £70,100 a year. Each lender sets its own limits, so treat this as a starting point.

Have Reading house prices gone up?

Over five years the average home is up 11%, and over the last year it is down 0.4%.

How do Reading house prices compare with nearby towns?

The average home in Reading is £350,501. It costs more in Maidenhead (£583,688) and Earley (£491,944). It costs less in Slough (£349,397).

The rest of your move

Everything else for Reading

Mortgages nearby

Ready when you are, Reading.

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

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