The Real Cost of Buying a First Home in Holyhead
A first purchase at the £170,000 Holyhead average needs about £20,300 in cash, made up of £17,000 deposit, £0 Land Transaction Tax, 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.
A first purchase at the £170,000 Holyhead average needs about £20,300 in cash, made up of £17,000 deposit, £0 Land Transaction Tax, and roughly £3,300 in fees.
The full cash number for Holyhead
On the local average the deposit is £17,000, Land Transaction Tax is £0 and fees are near £3,300. Total cash needed is about £20,300.
Wales has no first time buyer relief, so Land Transaction Tax is the full £0 at this price. Land Transaction Tax is collected by the Welsh Revenue Authority. Confirm the current rates on gov.wales before you complete.
Wales has no first time buyer relief, so Land Transaction Tax applies at the normal rates. Homes up to £225,000 pay none.
Where the upfront cash goes
The commercial page for this town sets out the introduction itself: Mortgage advice in Holyhead.
Borrowing power on a Holyhead income
The costs that start the day you move in
Band D council tax in Isle of Anglesey is £2,381 a year, which is £198 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 Holyhead detail first buyers ask about
The schools families ask about here are Ysgol Uwchradd Caergybi, Ysgol Cybi, Ysgol Morswyn, Ysgol Santes Gwenfaen (Rhoscolyn) and Grwp Llandrillo Menai (Coleg Menai). Ratings age between inspections, so read the latest report before you rely on one.
On getting about: Holyhead to Bangor takes about ~40 to 50 min drive.
By price, Holyhead ranks 6 of the 6 Isle of Anglesey locations we cover, at £170,000 against a county average of £250,000. Band D council tax here is £2,381, against £2,293 across the county.
What your money buys in Holyhead
Holyhead is the largest town on Anglesey, on Holy Island, a working ferry port with big-sky coast.
The full local guide covers schools, transport and the market in detail: Holyhead property and area guide.
| Budget | What it buys here |
|---|---|
| Around £90,000 to £140,000 | A flat or smaller terrace, the most accessible way into the town and into home ownership in North Wales, popular with first-time buyers and investors. |
| Around £140,000 to £240,000 | A town terrace, semi or family home in Kingsland, Morawelon or the estates, the heart of the Holyhead market. |
| £250,000 and above | A detached or coast home towards Penrhos or the sought-after seaside village of Trearddur Bay, the top of the local market. |
- Affordable, among the most accessible prices in North Wales
- A main-line railway terminus & the Irish ferry port
- South Stack, the breakwater & dramatic coast on the doorstep
- A strong Welsh-language & maritime culture
- Beaches & sailing at Trearddur Bay next door
- No full A&E on Anglesey, nearest is Ysbyty Gwynedd, Bangor, over the bridges
- A port-dependent economy with pockets of deprivation (Anglesey Aluminium closed 2009)
- Coastal-flood reaches near the harbour & low-lying shore to check
- Anglesey's 100% second-home & empty-home council-tax premiums
- Much older terraced stock, survey older homes carefully
Holyhead is known locally for The ferry port to Ireland, and South Stack & the RSPB cliffs. Holyhead is one of the busiest ferry ports for Ireland in the UK, Stena Line and Irish Ferries sail to Dublin, the historic gateway between Britain and Ireland and the economic anchor of the town. See irishferries.com.
Practical detail for Holyhead: the LL65 postcode district, yes, Holyhead is the terminus of the North Wales Main Line (direct trains to Chester, Crewe & London Euston) and nearest A and E is No full A&E on Anglesey, Ysbyty Penrhos Stanley (Holyhead) is a local hospital with an MIU; nearest 24hr A&E is Ysbyty Gwynedd, Bangor (~24 miles, over the Menai bridges).
Holyhead at a glance
| Upfront cost | Holyhead figure |
|---|---|
| Average price | £170,000 |
| Deposit at 10% | £17,000 |
| Land Transaction Tax | £0 |
| Legal, survey and moving | £3,300 |
| Total cash needed | £20,300 |
| Monthly repayment illustration | £894 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Holyhead
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Total cash of about £20,300, not just the deposit
- Your Land Transaction Tax position confirmed on gov.wales
- A first year running cost budget including £2,381 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.
Check broadband before you make an offer in Holyhead
Broadband speeds can vary street by street in Holyhead, 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 Holyhead?
Do first time buyers pay Land Transaction Tax in Holyhead?
What is the biggest hidden cost?
How do I check broadband speed at a property in Holyhead?
Read next
Your home may be repossessed if you do not keep up repayments on your mortgage.