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Mortgages · Woking

Mortgages in Woking. The typical home needs £43,763 down.

The average home in Woking is £437,628 in the UK House Price Index for August 2026, down 2.7% on a year earlier. With a 10% deposit of £43,763, you would borrow £393,865.

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Mortgages in Woking: a Homie illustration
  • £437,628average home, UK HPI
  • £43,76310% deposit
  • £87,526household income at 4.5× the loan
  • £6,881stamp duty for a first-time buyer
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The short answer

Mortgages in Woking, in 30 seconds

The price
The average home in Woking is £437,628.
The deposit
10% is £43,763. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £393,865 loan needs roughly £87,526 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

Woking house prices since 2016

From £398,813 to £437,628. Up 2% over five years.

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

Nearby

How Woking compares with its neighbours

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

FAQ

Mortgages in Woking: your questions

How much deposit do I need to buy in Woking?

At the average price of £437,628, a 10% deposit is £43,763 and 5% is £21,881. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Woking?

With 10% down on the average home, the loan is £393,865. At 4.5 times income that means around £87,526 a year. Each lender sets its own limits, so treat this as a starting point.

Have Woking house prices gone up?

Over five years the average home is up 2%, and over the last year it is down 2.7%.

How do Woking house prices compare with nearby towns?

The average home in Woking is £437,628. It costs more in Cobham (£735,548) and Cranleigh (£559,306).

The rest of your move

Everything else for Woking

Mortgages nearby

Ready when you are, Woking.

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

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