Mortgages · Swindon

Mortgages in Swindon. The typical home needs £26,369 down.

The average home in Swindon is £263,685 in the UK House Price Index for August 2026, up 2.8% on a year earlier. With a 10% deposit of £26,369, you would borrow £237,316.

Mortgages in Swindon: a mortgage adviser Homie with a key and a clipboard by a sold sign

£263,685average home, UK HPI
£26,36910% deposit
£52,737household income at 4.5× the loan
£0stamp duty for a first-time buyer

The short answer

Mortgages in Swindon, in 30 seconds

The price: The average home in Swindon is £263,685.
The deposit: 10% is £26,369. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £237,316 loan needs roughly £52,737 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

Swindon house prices since 2016

From £199,019 to £263,685. Up 15.3% over five years.

Average price each year to August 2026, Swindon.

Nearby

How Swindon compares with its neighbours

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

Chippenham £328,102+13.7%
Swindon £263,685+15.3%

FAQ

Mortgages in Swindon: your questions

How much deposit do I need to buy in Swindon?

At the average price of £263,685, a 10% deposit is £26,369 and 5% is £13,184. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Swindon?

With 10% down on the average home, the loan is £237,316. At 4.5 times income that means around £52,737 a year. Each lender sets its own limits, so treat this as a starting point.

Have Swindon house prices gone up?

Over five years the average home is up 15.3%, and over the last year it is up 2.8%.

How do Swindon house prices compare with nearby towns?

The average home in Swindon is £263,685. It costs more in Chippenham (£328,102).

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