£19m per month for the nation’s most prestigious property

June 17, 2025

The latest research by award winning mortgage adviser, Alexander Hall, has revealed that whilst a property close to Royal Ascot will see the average homebuyer pay £4,263 a month in mortgage costs, this monthly payment climbs as high as £19m a month for those with ambitions of snagging a real royal property.

This week, Royal Ascot will be in full swing, giving the average person a chance to rub shoulders with royalty, as the Royal Family attend each and every day of horse racing’s most prestigious event.

For those who may wish to purchase a property within the SL5 postcode, home to Royal Ascot, the analysis by Alexander Hall shows that it won’t come cheap. With an average house price of £889,503, the average homebuyer would be looking at a full monthly mortgage repayment to the tune of £4,263, having placed a 15% deposit of £133,425.

But whilst this cost comes in some way above that of the average UK home, it pales in comparison to the value of an actual royal residence.

Alexander Hall analysed eight royal residences from Buckingham Palace to Clarence House, revealing the current estimated market value of these prestigious properties and the average cost of a monthly mortgage payment.

Buckingham Palace – £19m per month in mortgage payments

The research shows that Buckingham Palace predictably tops the table with an estimated market value just shy of £4bn. After stumping up a 15% deposit to the tune of £596m, the monthly mortgage payment on Buckingham Palace comes in at an eye-watering £19m per month.

Here’s how much monthly mortgage payments would set you back for the rest of the royal property portfolio.

Hampton Court Palace

Market Value: £1.038bn

15% Mortgage Deposit: £155.6m

Monthly Mortgage Payment: £4.9m

 

St James’s Palace

Market Value: £623.8m

15% Mortgage Deposit: £93.6m

Monthly Mortgage Payment: £2.9m

 

Windsor Castle

Market Value: £594m

15% Mortgage Deposit: £89.1m

Monthly Mortgage Payment: £2.8m

 

Kensington Palace

Market Value: £465.2m

15% Mortgage Deposit: £69.8m

Monthly Mortgage Payment: £2.2m

 

Clarence House

Market Value: £68.4m

15% Mortgage Deposit: £10.3m

Monthly Mortgage Payment: £327,796

 

Balmoral

Market Value: £62.4m

15% Mortgage Deposit: £9.4m

Monthly Mortgage Payment: £299,135

 

Sandringham

Market Value: £55m

15% Mortgage Deposit: £8.3m

Monthly Mortgage Payment: £263,980

 

Stephanie Daley, Director of Partnerships at mortgage adviser, Alexander Hall, commented:

“We may have seen mortgage market affordability improve in recent months but you’re still going to need extremely deep pockets if you want to keep up with your monthly payments on a royal residence.

Much like the wider property market itself, the royal property portfolio does vary quite drastically when it comes to estimated market values and the potential mortgage payments required – from £19m per month for Buckingham Palace to a comparatively palatable £264,000 per month for Sandringham.

Whilst it’s highly unlikely that these royal properties will ever hit the open market, engaging a highly experienced mortgage adviser is the best way to ensure you secure the perfect mortgage product to suit your individual needs, even if you are a high-net-worth with your eyes on Buckingham Palace.”

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