Downsizing in Cobham: What You Would Actually Release
Selling at the £1,243,000 Cobham average and buying at £870,100 releases about £318,050 after costs. Fees, stamp duty and moving take roughly £54,850 of it.
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.
Selling at the £1,243,000 Cobham average and buying at £870,100 releases about £318,050 after costs. Fees, stamp duty and moving take roughly £54,850 of it.
What a Cobham move actually releases
Start with the gap. Selling at £1,243,000 and buying at 70% of that, £870,100, leaves £372,900 before costs. Costs are the part people underestimate.
Agent fees at 1.5% are £18,645. Stamp duty on the purchase is £33,505. Total £54,850, leaving £318,050 in hand.
Where the sale proceeds go
The commercial page for this town sets out the introduction itself: Equity release in Cobham.
Two routes to the same cash, priced
A lifetime mortgage at 65 on the same property would release about £422,620. Downsizing nets £318,050. The difference is that downsizing costs you the house, and equity release costs you the estate.
Over twenty years that £422,620 release grows to roughly £1,489,163. The downsizing figure does not grow at all, because there is no debt.
Bands, stock and timing
Council tax follows the property, not the person. Band D in Surrey is £2,557, and a smaller home may sit in a lower band. Check the band before you offer, not after.
Downsizing works best when you are not in a hurry.
What a move within Cobham looks like
The schools families ask about here are Cobham Free School, Reed's School, ACS Cobham International School and Notre Dame School. 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: Cobham is well connected by both rail and road, though the station sits a little way from the centre. These indicative times are a starting point, always verify current timetables before relying on a specific journey.
By price, Cobham ranks 1 of the 65 Surrey locations we cover, at £1,243,000 against a county average of £634,238. Band D council tax here is £2,557, against an average of £2,554 across the towns we cover in the county.
Moving within Surrey rather than out of it keeps you near family and known services. The average price across the county towns we cover is £634,238, against £1,243,000 here.
Is Cobham right to stay in?
The full local guide covers schools, transport and the market in detail: Cobham property and area guide.
- A smart, prestigious high street
- An exceptional cluster of independent schools
- Painshill Park and River Mole greenery
- Excellent A3, M25 and airport access
- Direct trains to London Waterloo
- A very strong price premium, well over £1m
- The station is ~1.5 miles out at Stoke d'Abernon
- Homes near the River Mole carry flood risk
- High values mean larger loans and, at the top end, complex lending
- Popular state school (Cobham Free School) is oversubscribed
| Who it suits | Out of five | Why |
|---|---|---|
| Downsizers | ★★★★☆ | A smart, walkable high street and prestige address suit downsizers staying local, though prices are high and larger flats scarce. |
| Commuters (to London) | ★★★★☆ | Direct South Western Railway to Waterloo in ~40 to 45 min, plus the A3 and M25 (J10), though the station sits ~1.5 miles out at Stoke d'Abernon. |
| Families | ★★★★★ | An exceptional cluster of schools (Reed's, ACS Cobham, Notre Dame, plus the state Cobham Free School), greenery and low crime. |
| First-time buyers | ★★☆☆☆ | A very strong premium, KT11 averages well over £1m; flats near £600k are the only realistic way in. |
| Professionals | ★★★★★ | Prestige, fast London links, top schools and quick Heathrow/Gatwick access make Cobham a natural fit for high earners. |
Cobham is known locally for Painshill Park. A restored 18th-century landscape garden with a serpentine lake, crystal grotto, follies and vineyards, one of the finest of its kind and a defining Cobham landmark. See painshill.co.uk.
Practical detail for Cobham: the KT11 postcode district and cobham & Stoke d'Abernon, direct South Western Railway to London Waterloo (station ~1.5 miles from the centre).
Cobham has history behind the price. In Domesday (1086), Cobham appears as 'Covenham', a settlement on the River Mole held by Chertsey Abbey.
Cobham at a glance
| Downsizing line | Cobham figure |
|---|---|
| Sale price, local average | £1,243,000 |
| Purchase at 70% of value | £870,100 |
| Estate agent at 1.5% | £18,645 |
| Stamp duty on purchase | £33,505 |
| Legal and moving | £2,700 |
| Total costs | £54,850 |
| Net released | £318,050 |
| Lifetime mortgage alternative at 65 | £422,620 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Cobham
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- A real valuation of your home, not the £1,243,000 average
- The council tax band of the property you are buying
- Total moving costs of about £54,850
- The equity release comparison, in writing, before you decide
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 Cobham
Broadband speeds can vary street by street in Cobham, 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 would I release by downsizing in Cobham?
Is downsizing better than equity release?
What are the costs of moving?
How do I check broadband speed at a property in Cobham?
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