The Real Cost of Buying a First Home in Windlesham
A first purchase at the £750,000 Windlesham average needs about £105,800 in cash, made up of £75,000 deposit, £27,500 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 £750,000 Windlesham average needs about £105,800 in cash, made up of £75,000 deposit, £27,500 stamp duty with first time buyer relief, and roughly £3,300 in fees.
What a first Windlesham purchase costs in cash
On the local average the deposit is £75,000, stamp duty is £27,500 and fees are near £3,300. Total cash needed is about £105,800.
The £750,000 average is above the £500,000 ceiling, so first time buyer relief does not apply. Stamp duty is the full £27,500. 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 Windlesham.
Borrowing power on a Windlesham income
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.
Running costs from week one
Band D council tax in Surrey is £2,622 a year, which is £219 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 Windlesham detail first buyers ask about
The schools families ask about here are Local primary schools, Gordon's School (West End, nearby), State secondaries (nearby) and Independent schools (nearby). 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: Sunningdale to London Waterloo takes about 50 min.
By price, Windlesham ranks 15 of the 65 Surrey locations we cover, at £750,000 against a county average of £634,238.
What your money buys in Windlesham
Windlesham is a leafy, affluent village of large homes on wooded plots.
The full local guide covers schools, transport and the market in detail: Windlesham property and area guide.
| Budget | What it buys here |
|---|---|
| Around £280,000 to £430,000 | Typically a flat or apartment, the most accessible way in, popular with first-time buyers and downsizers. |
| Around £550,000 to £800,000 | A family semi or smaller detached, a good family home in a green setting. |
| £900,000 and above | A large detached home on a generous, wooded plot, the heart of Windlesham's market, into the millions. |
- A leafy, affluent village of space and greenery
- Large homes on generous, wooded plots
- Village pubs, the arboretum and greenery
- Good road links (M3 Junction 3 close)
- A faster London line a short drive at Sunningdale (~50 min)
- No railway station of its own (nearest a short drive)
- High prices at the top of the market
- Some localised flood risk near the Windle Brook
- Larger homes mean bigger loans and significant stamp duty
- Surrey is non-selective (no grammar)
Windlesham is known locally for Space & large homes, and Greenery & the arboretum. The large detached homes on generous, wooded plots, the sense of space that defines the village.
Practical detail for Windlesham: the GU20 postcode district, no own station; Bagshot, Sunningdale (faster ~50 min) & Camberley a short drive and nearest A and E is Frimley Park Hospital (a major A&E), around 12 to 15 minutes' drive.
Windlesham at a glance
| Upfront cost | Windlesham figure |
|---|---|
| Average price | £750,000 |
| Deposit at 10% | £75,000 |
| Stamp duty, first time buyer | £27,500 |
| Stamp duty, standard rate | £27,500 |
| Legal, survey and moving | £3,300 |
| Total cash needed | £105,800 |
| Monthly repayment illustration | £3,946 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Windlesham
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Total cash of about £105,800, not just the deposit
- Your stamp duty position confirmed on gov.uk
- A first year running cost budget including £2,622 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 Windlesham
Broadband speeds can vary street by street in Windlesham, 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 Windlesham?
Do first time buyers pay stamp duty in Windlesham?
What is the biggest hidden cost?
How do I check broadband speed at a property in Windlesham?
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