House Prices in Doncaster

The latest figures from Office of National Statistics, updated in November 2025, show the average property price in Doncaster at around £169,000. First time buyers are paying slightly less, with the typical purchase sitting near £153,000. This follows a similar pattern across South Yorkshire, where deposit expectations tend to remain consistent between Doncaster and nearby towns.

As a mortgage broker in Doncaster, we often speak to first time buyers who are combining their own savings with help from family members. This is known as a gifted deposit, and it can make a meaningful difference when you are trying to meet lender criteria or strengthen your position before making an offer. Even a small increase in your deposit can improve the type of deals available, particularly in areas where properties attract strong interest.

Average Deposit Amount

Your deposit will depend on what you have saved and the mortgage you are applying for. Using the average first time buyer price of £153,000 in Doncaster, a 5% deposit works out at around £7,650. Increasing this to 10% brings the figure to roughly £15,300, while a 15% deposit comes in at approximately £22,950.

Some lenders will consider applications with a 5% deposit, although contributing more can broaden the range of mortgage products available and may help reduce your monthly repayments. Many first time buyers in Doncaster still purchase with a smaller deposit, particularly when supported by a steady income and a positive credit profile.

Average Loan to Value (LTV)

Loan-to-value, or LTV, shows the percentage of the property price that your mortgage covers. Your deposit makes up the rest. If you are buying a £153,000 property with a £15,300 deposit, your mortgage would total £137,700, giving you a 90% LTV.

We tend to find that most first time buyers in Doncaster fall between 85% and 95% LTV. This depends on how much they have saved and whether they are receiving any support from family. Mortgages at 95% LTV remain widely available for those with a reliable income and a strong credit history, while moving down to 90% or 85% can help improve the interest rates offered by certain lenders.

A lower LTV often opens the door to more competitive products. Adding even a small amount to your deposit can shift you into a different bracket, which can influence the type of deals you can access.

How much can I borrow?

Lenders will calculate how much you can borrow by looking at your income, monthly outgoings, and credit history. Each lender uses its own affordability model, which means the amount you qualify for can vary from one provider to another. This can be especially noticeable if you are self-employed, earning commission or bonuses, or working multiple jobs.

As a mortgage broker in Doncaster, we work with a wide range of lenders, each with its own approach to affordability and borrowing limits. If you are preparing to buy your first home in Doncaster, speaking to a mortgage advisor can give you a clearer sense of what you may be able to borrow based on your circumstances.

Date Last Edited: November 26, 2025