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Mortgages · Sunbury-on-Thames

Mortgages in Sunbury-on-Thames. The typical home needs £44,081 down.

The average home in Sunbury-on-Thames (the Spelthorne area) is £440,812 in the UK House Price Index for August 2026, down 1.6% on a year earlier. With a 10% deposit of £44,081, you would borrow £396,731.

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Mortgages in Sunbury-on-Thames: a Homie illustration
  • £440,812average home, UK HPI
  • £44,08110% deposit
  • £88,162household income at 4.5× the loan
  • £7,041stamp duty for a first-time buyer
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The short answer

Mortgages in Sunbury-on-Thames, in 30 seconds

The price
The average home in Sunbury-on-Thames is £440,812.
The deposit
10% is £44,081. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £396,731 loan needs roughly £88,162 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

Sunbury-on-Thames house prices since 2016

From £378,348 to £440,812. Up 26% over five years.

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

Nearby

How Sunbury-on-Thames compares with its neighbours

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

FAQ

Mortgages in Sunbury-on-Thames: your questions

How much deposit do I need to buy in Sunbury-on-Thames?

At the average price of £440,812, a 10% deposit is £44,081 and 5% is £22,041. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Sunbury-on-Thames?

With 10% down on the average home, the loan is £396,731. At 4.5 times income that means around £88,162 a year. Each lender sets its own limits, so treat this as a starting point.

Have Sunbury-on-Thames house prices gone up?

Over five years the average home is up 26%, and over the last year it is down 1.6%.

How do Sunbury-on-Thames house prices compare with nearby towns?

The average home in Sunbury-on-Thames is £440,812. It costs more in Cobham (£735,548) and Cranleigh (£559,306).

The rest of your move

Everything else for Sunbury-on-Thames

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Mortgages for your Sunbury-on-Thames move, tracked in the same Homemove dashboard as everything else.

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