Casa Capital Homebuyer Index
Buying in London has changed.
See what buyers need today — and how much harder buying has become since 1997.
Latest data: 2025 · Official ONS and FCA figures
1997
Home price compared with pay
Buying today
How much money do buyers actually need?
See the gap between what first-time buyers earn, what they can borrow and what homes cost.
£470k home
− £376k borrowing
£94k gap
Typical London borough, 2025. Borrowing illustrated at 4.5× income.
See the Deposit GapThen vs now
How much harder has buying become?
Slide from 1997 to today and watch London change.
Travel through time
1997 → 2025
4.3× → 12.2×
How London's typical home price moved compared with local pay.
Typical London borough
ExploreData you can use
Casa Capital's Homebuyer Index analyses official UK housing, earnings and mortgage data to make the realities of buying a home easier to understand.
How to cite
Casa Capital Homebuyer Index, based on Office for National Statistics and FCA mortgage data.
- ONS: First-time buyer mortgage sales, by local authority, UK — data to 2025
- ONS: House price to workplace-based earnings ratio, local authority — data to 2025
The map shows London. Your mortgage is personal.
National statistics can show what buyers typically do. They can't tell you what your own circumstances could unlock.