Downsizing in Collingbourne Ducis: What You Would Actually Release
Selling at the £450,000 Collingbourne Ducis average and buying at £315,000 releases about £119,800 after costs. Fees, stamp duty and moving take roughly £15,200 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 £450,000 Collingbourne Ducis average and buying at £315,000 releases about £119,800 after costs. Fees, stamp duty and moving take roughly £15,200 of it.
The downsizing sum for Collingbourne Ducis
Start with the gap. Selling at £450,000 and buying at 70% of that, £315,000, leaves £135,000 before costs. Costs are the part people underestimate.
Agent fees at 1.5% are £6,750. Stamp duty on the purchase is £5,750. Total £15,200, leaving £119,800 in hand.
Where the sale proceeds go
The commercial page for this town sets out the introduction itself: Equity release in Collingbourne Ducis.
Downsizing against releasing equity
A lifetime mortgage at 65 on the same property would release about £153,000. Downsizing nets £119,800. The difference is that downsizing costs you the house, and equity release costs you the estate.
Over twenty years that £153,000 release grows to roughly £539,118. The downsizing figure does not grow at all, because there is no debt.
The parts of downsizing that are not financial
Council tax follows the property, not the person. Band D in Wiltshire is £2,465, 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 Collingbourne Ducis looks like
The schools families ask about here are Collingbourne CofE Primary School, The Wellington Academy (Ludgershall/Tidworth), St John's Marlborough and Marlborough College (nearby). 2 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: Collingbourne Ducis to Andover station takes about 15 to 20 min drive.
By price, Collingbourne Ducis ranks 8 of the 25 Wiltshire locations we cover, at £450,000 against a county average of £420,200. Band D council tax here is £2,465, against an average of £2,594 across the towns we cover in the county.
Is Collingbourne Ducis right to stay in?
Collingbourne Ducis is a pretty thatched conservation-area village in the Bourne valley.
The full local guide covers schools, transport and the market in detail: Collingbourne Ducis property and area guide.
Moving within Wiltshire rather than out of it keeps you near family and known services. The average price across the county towns we cover is £420,200, against £450,000 here.
- A pretty, historic thatched village
- A conservation area with a 13th-century church
- Genuine medieval, Duke-of-Lancaster history
- Salisbury Plain, woods & downland on the doorstep
- A genuine village community with pub & school
- Prices above the national average
- No station in the village (Andover/Bedwyn/Pewsey a drive)
- A winterbourne flood-risk consideration near the river
- Larger period & thatched homes mean substantial lending
- No big-town shopping or major A&E in the village
| Who it suits | Out of five | Why |
|---|---|---|
| Character & history lovers | ★★★★★ | A thatched conservation area, a medieval church and a Duke-of-Lancaster past give real historic charm. |
| Country buyers | ★★★★★ | Salisbury Plain, Collingbourne Woods and Savernake Forest nearby make this deep, genuine chalk-country living. |
| Commuters & families | ★★★☆☆ | No village station, the drive to Grateley, Andover or Pewsey for a direct London train is the trade-off. |
| First-time buyers | ★★☆☆☆ | A desirable, character village with limited and often period stock, not an easy or cheap entry. |
| Retirees | ★★★★☆ | A quiet, community-minded village suits a peaceful pace, provided you are happy to drive. |
Collingbourne Ducis is known locally for A Duke-of-Lancaster name, and St Andrew's Church. Collingbourne Ducis takes its name from John of Gaunt, Duke of Lancaster, who held the manor, 'Ducis' is Latin for 'of the Duke', distinguishing it from neighbouring Collingbourne Kingston; genuine medieval history in the village name.
Practical detail for Collingbourne Ducis: the SN8 postcode district, no station; Andover (~9mi, to London Waterloo) & Bedwyn/Pewsey (to Paddington) nearby and nearest A and E is Salisbury or Great Western (Swindon), both a drive; verify with NHS.
Collingbourne Ducis has history behind the price. In Domesday & medieval, Collingbourne is recorded in Domesday (Earl Harold's manor); the Church of St Andrew is built in the early 13th century.
Collingbourne Ducis at a glance
| Downsizing line | Collingbourne Ducis figure |
|---|---|
| Sale price, local average | £450,000 |
| Purchase at 70% of value | £315,000 |
| Estate agent at 1.5% | £6,750 |
| Stamp duty on purchase | £5,750 |
| Legal and moving | £2,700 |
| Total costs | £15,200 |
| Net released | £119,800 |
| Lifetime mortgage alternative at 65 | £153,000 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Collingbourne Ducis
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 £450,000 average
- The council tax band of the property you are buying
- Total moving costs of about £15,200
- 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 Collingbourne Ducis
Broadband speeds can vary street by street in Collingbourne Ducis, 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 Collingbourne Ducis?
Is downsizing better than equity release?
What are the costs of moving?
How do I check broadband speed at a property in Collingbourne Ducis?
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