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Mortgages · Totton

Mortgages in Totton. The typical home needs £38,456 down.

The average home in Totton (the New Forest area) is £384,564 in the UK House Price Index for August 2026, down 0.2% on a year earlier. With a 10% deposit of £38,456, you would borrow £346,108.

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Mortgages in Totton: a Homie illustration
  • £384,564average home, UK HPI
  • £38,45610% deposit
  • £76,913household income at 4.5× the loan
  • £4,228stamp duty for a first-time buyer
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The short answer

Mortgages in Totton, in 30 seconds

The price
The average home in Totton is £384,564.
The deposit
10% is £38,456. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £346,108 loan needs roughly £76,913 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

Totton house prices since 2016

From £312,814 to £384,564. Up 3.6% over five years.

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

Nearby

How Totton compares with its neighbours

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

FAQ

Mortgages in Totton: your questions

How much deposit do I need to buy in Totton?

At the average price of £384,564, a 10% deposit is £38,456 and 5% is £19,228. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Totton?

With 10% down on the average home, the loan is £346,108. At 4.5 times income that means around £76,913 a year. Each lender sets its own limits, so treat this as a starting point.

Have Totton house prices gone up?

Over five years the average home is up 3.6%, and over the last year it is down 0.2%.

How do Totton house prices compare with nearby towns?

The average home in Totton is £384,564. It costs less in Aldershot (£326,799) and Eastleigh (£312,753).

The rest of your move

Everything else for Totton

Mortgages nearby

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

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