Mortgages · Stirling

Mortgages in Stirling. The typical home needs £23,654 down.

The average home in Stirling is £236,541 in the UK House Price Index for August 2026, up 1.8% on a year earlier. With a 10% deposit of £23,654, you would borrow £212,887.

Mortgages in Stirling: a Homie illustration

£236,541average home, UK HPI
£23,65410% deposit
£47,308household income at 4.5× the loan
£1,231LBTT for a first-time buyer

The short answer

Mortgages in Stirling, in 30 seconds

The price: The average home in Stirling is £236,541.
The deposit: 10% is £23,654. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £212,887 loan needs roughly £47,308 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

Stirling house prices since 2016

From £156,741 to £236,541. Up 18.7% over five years.

Average price each year to August 2026, Stirling.

FAQ

Mortgages in Stirling: your questions

How much deposit do I need to buy in Stirling?

At the average price of £236,541, a 10% deposit is £23,654 and 5% is £11,827. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Stirling?

With 10% down on the average home, the loan is £212,887. At 4.5 times income that means around £47,308 a year. Each lender sets its own limits, so treat this as a starting point.

Have Stirling house prices gone up?

Over five years the average home is up 18.7%, and over the last year it is up 1.8%.

The rest of your move

Everything else for Stirling

Ready when you are, Stirling.

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

Get started