How to get a mortgage to buy a house on one of Britain’s 20 most expensive streets

Rightmove data reveals Britain’s most expensive streets 

The latest house price data has revealed the most expensive streets in Britain, highlighting the continued strength of the prime London property market and the ongoing demand for luxury homes in the UK.

While most homebuyers won’t be searching for £10 million properties, these high-end streets still offer valuable insight into the direction of the UK housing market, the strength of London property prices, and the continued appeal of prestige locations.

The house pictured above is for sale through Lumley Estates for £7 million on Newlands Avenue, Radlett, Hertfordshire, WD7.

The most expensive street in Britain

According to recent property market analysis by Rightmove, Winnington Road in Barnet, North London, has been named the most expensive street in Britain, with an average property asking price of more than £12.5 million.

This prestigious North London address is known for its:

• Large luxury mansions

• Gated homes and high-end developments

• Privacy and proximity to central London

• Popularity with international buyers

Many properties on the street feature luxury amenities such as private cinemas, indoor swimming pools, gyms, and extensive landscaped gardens. The continued demand for homes in areas like this demonstrates how London remains one of the most desirable property markets in the world.

Britain’s top five most expensive streets

The data shows that London dominates the list of Britain’s most expensive streets, particularly areas close to central London and prime residential neighbourhoods.

The current top five include:

1. Winnington Road, Barnet (N2) – £12.5m average asking price

2. Chester Square, Westminster (SW1W) – £11.5m

3. The Bishops Avenue, Barnet (N2) – £8.9m

4. Thurloe Place, Kensington & Chelsea (SW7) – £8.9m

5. East Road, Elmbridge, Surrey (KT13) – £8.7m

East Road in Surrey stands out as the only street outside London to make the national top 20, demonstrating the continued appeal of prime commuter locations close to the capital.

Prime property outside London

Although London dominates the ultra-prime property market, several high-value streets across the UK are also attracting significant interest.

Some of the most expensive locations outside the capital include:

• Newlands Avenue, Radlett (Hertfordshire) – around £3.95m

• Congleton Road, Alderley Edge (Cheshire) – around £3.3m

• Larch Avenue, Sunningdale (Ascot area) – around £2.7m

• Salterns Way, Sandbanks (Poole) – around £2.4m

These locations offer luxury homes, larger plots, and attractive surroundings while remaining within reach of major cities.

What this means for the UK property market

While these multi-million-pound homes represent the top end of the market, they still highlight some key trends shaping the UK housing market:

London remains a global property hub. Despite economic uncertainty and changing tax rules, prime London property continues to attract domestic and international buyers.

Demand for prestige locations is strong, and highly desirable streets continue to command premium prices due to their limited supply, prestige, and location advantages.

Commuter areas remain popular with luxury areas just outside London, particularly in Surrey and Hertfordshire, which remain highly sought after by buyers looking for space while maintaining access to the capital.

How to get a mortgage to buy on one of Britain’s most expensive streets 

Buying a home on one of the UK’s most expensive streets usually requires a larger mortgage and specialist advice. High street lenders may offer competitive rates and even offer mortgages up to £10 million, but their affordability rules can limit how much you can borrow. In contrast, private banks and specialist lenders often provide more flexible lending for high-net-worth clients, complex income structures, bonuses, or international earnings. They may also consider larger loan sizes and bespoke terms.

Working with an experienced mortgage broker, such as Trinity Financial, can help you access both high-street lenders and private banks to secure a mortgage for high-value property purchases.

Speak to a Trinity Financial adviser today

The mortgage market moves fast — and the right advice can make a significant difference to the rate and deal you secure. Get in touch with our team to discuss your options.

Call Trinity Financial on 020 7016 0790 to secure a fixed or tracker rate mortgage, book a consultation, or use our appointment calendar

The information contained within was correct at the time of publication but is subject to change.

Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments on your mortgage

Source: Rightmove