The Real Cost of Buying a First Home in Headley
A first purchase at the £550,000 Headley average needs about £75,800 in cash, made up of £55,000 deposit, £17,500 stamp duty with first time buyer relief, and roughly £3,300 in fees.
The introduction costs you nothing. If you go ahead, we may be paid a fee by the firm we introduce you to. There is no obligation.
A first purchase at the £550,000 Headley average needs about £75,800 in cash, made up of £55,000 deposit, £17,500 stamp duty with first time buyer relief, and roughly £3,300 in fees.
The full cash number for Headley
On the local average the deposit is £55,000, stamp duty is £17,500 and fees are near £3,300. Total cash needed is about £75,800.
The £550,000 average is above the £500,000 ceiling, so first time buyer relief does not apply. Stamp duty is the full £17,500. Rates are those in force from April 2025. Confirm the current position on gov.uk before you exchange.
Average prices above £500,000 mean first time buyer relief does not apply on a typical purchase here. Budget the full duty from the start.
Where the upfront cash goes
The commercial page for this town sets out the introduction itself: Mortgage advice in Headley.
Where local earnings cap the purchase price
The costs that start the day you move in
Band D council tax in Headley is £2,314 a year, which is £193 a month. Add energy, water, insurance and maintenance.
Protection belongs in the same budget. If the mortgage depends on two incomes, it depends on both people staying well enough to earn. That is the part of the purchase we advise on directly.
The Headley detail first buyers ask about
The schools families ask about here are The Holme CofE Primary School, Bohunt School (Liphook), Oakmoor School (Bordon) and Further options (Haslemere & area). 3 local schools were rated Good or Outstanding overall at their most recent graded Ofsted inspection. Ratings age between inspections, so read the latest report before you rely on one.
On getting about: Headley to Liphook station takes about 15 min drive.
By price, Headley ranks 77 of the 178 Hampshire locations we cover, at £550,000 against a county average of £535,916. Band D council tax here is £2,314, against an average of £2,319 across the towns we cover in the county.
What your money buys in Headley
Headley is a pretty, sought-after rural village on the River Wey near the Surrey border.
The full local guide covers schools, transport and the market in detail: Headley property and area guide.
| Budget | What it buys here |
|---|---|
| Around £300,000 to £400,000 | A smaller home or cottage, the more accessible way into the village. |
| Around £400,000 to £675,000 | A character, terraced or semi-detached family home, the heart of the Headley market. |
| £675,000 and above | A detached, period or country home on the heaths or by the river, the top of the local market, into seven figures for the finest houses. |
- A pretty rural village on the River Wey
- A working watermill & ancient church
- The heaths & Ludshott Common on the doorstep
- Real village character & community
- Good primary & secondaries nearby (Bohunt)
- Prices well above the national average
- No railway station of its own (nearest a drive)
- No major A&E in the village (Frimley/Guildford, a drive)
- A flood-risk consideration near the river
- Larger period & country homes mean substantial lending
Headley is known locally for Headley Mill, and Ludshott Common & the heaths. The last commercially productive watermill in Hampshire, still grinding corn with the power of the River Wey on a site where a mill has stood since Saxon times, a remarkable and much-loved survival.
Practical detail for Headley: the GU35 postcode district, no station, nearest at Liphook, Bentley or Farnham (all a drive) and nearest A and E is Frimley Park (Frimley) or Royal Surrey (Guildford), both a drive; verify with NHS.
Headley at a glance
| Upfront cost | Headley figure |
|---|---|
| Average price | £550,000 |
| Deposit at 10% | £55,000 |
| Stamp duty, first time buyer | £17,500 |
| Stamp duty, standard rate | £17,500 |
| Legal, survey and moving | £3,300 |
| Total cash needed | £75,800 |
| Monthly repayment illustration | £2,894 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Headley
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Total cash of about £75,800, not just the deposit
- Your stamp duty position confirmed on gov.uk
- A first year running cost budget including £2,314 council tax
- Income protection quoted before completion, not after
The introduction costs you nothing. If you go ahead, we may be paid a fee by the firm we introduce you to. There is no obligation.
Check broadband before you make an offer in Headley
Broadband speeds can vary street by street in Headley, so check the exact address before you commit. Ofcom's free checker shows which broadband speeds and mobile coverage are available at any UK property.
We can introduce you to a specialist who can combine your mobile, broadband and utilities into one bill. There's no fee for the introduction.
We don't provide these services ourselves. Switching household bills is not a regulated financial service, so FCA protections and the Financial Ombudsman do not apply. We'll only pass your details to the specialist if you ask us to. See our privacy notice.
Questions people ask
How much money do I need to buy a first home in Headley?
Do first time buyers pay stamp duty in Headley?
What is the biggest hidden cost?
How do I check broadband speed at a property in Headley?
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