The Real Cost of Buying a First Home in Silver End
A first purchase at the £390,000 Silver End average needs about £46,800 in cash, made up of £39,000 deposit, £4,500 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 £390,000 Silver End average needs about £46,800 in cash, made up of £39,000 deposit, £4,500 stamp duty with first time buyer relief, and roughly £3,300 in fees.
Every pound you need before completion in Silver End
On the local average the deposit is £39,000, stamp duty is £4,500 and fees are near £3,300. Total cash needed is about £46,800.
First time buyer relief saves you £5,000 against the standard charge of £9,500 at this price. Rates are those in force from April 2025. Confirm the current position on gov.uk before you exchange.
Where the upfront cash goes
The commercial page for this town sets out the introduction itself: Mortgage advice in Silver End.
What you can borrow against local incomes
Average prices sit below the £500,000 relief ceiling, so most first purchases here still qualify. Check your own price against the threshold.
Running costs from week one
Band D council tax in Silver End is £2,282 a year, which is £190 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 Silver End detail first buyers ask about
The schools families ask about here are Silver End Academy, Witham & Braintree secondary schools, Essex grammar schools (by exam) and Independent schools (Essex). 1 local school was rated Good or Outstanding overall at its most recent graded Ofsted inspection. Ratings age between inspections, so read the latest report before you rely on one.
On getting about: Silver End to Witham station takes about 10 min drive.
By price, Silver End ranks 172 of the 200 Essex locations we cover, at £390,000 against a county average of £520,425. Band D council tax here is £2,282, against an average of £2,301 across the towns we cover in the county.
What your money buys in Silver End
Silver End is a historic Crittall model village between Braintree & Witham.
The full local guide covers schools, transport and the market in detail: Silver End property and area guide.
| Budget | What it buys here |
|---|---|
| Around £250,000 to £320,000 | A terrace or smaller house, the more accessible way into the village. |
| Around £300,000 to £450,000 | A Crittall, later 20th-century or semi-detached family home, the heart of the Silver End market (check construction and lending on the Crittall homes). |
| £450,000 and above | A larger detached or distinctive character home, the top of the local market. |
- A characterful, historic model village
- The famous listed Crittall modernist houses
- A settled community, the Institute & gardens
- Well placed for Witham, Braintree & the A12
- A rare, complete piece of interwar planning
- No railway station in the village itself
- Some Crittall houses are non-standard construction
- You drive to Witham or Braintree for the train
- Non-standard homes may need specialist lending
- Flat roofs & steel windows can carry particular upkeep
Silver End is known locally for The Crittall modernist houses, and The Crittall heritage & Braintree Museum. The famous flat-roofed white modernist houses of the model village, in the International Style and among the earliest modern-movement housing in Britain, many now listed, and the thing Silver End is best known for.
Practical detail for Silver End: the CM8 postcode district, no station in the village, nearest Witham (main line) & Braintree; a short drive and nearest A and E is Broomfield Hospital, Chelmsford, verify with NHS.
Silver End at a glance
| Upfront cost | Silver End figure |
|---|---|
| Average price | £390,000 |
| Deposit at 10% | £39,000 |
| Stamp duty, first time buyer | £4,500 |
| Stamp duty, standard rate | £9,500 |
| Legal, survey and moving | £3,300 |
| Total cash needed | £46,800 |
| Monthly repayment illustration | £2,052 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Silver End
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Total cash of about £46,800, not just the deposit
- Your stamp duty position confirmed on gov.uk
- A first year running cost budget including £2,282 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 Silver End
Broadband speeds can vary street by street in Silver End, 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 Silver End?
Do first time buyers pay stamp duty in Silver End?
What is the biggest hidden cost?
How do I check broadband speed at a property in Silver End?
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