Downsizing in Hampton: What You Would Actually Release
Selling at the £750,000 Hampton average and buying at £525,000 releases about £194,800 after costs. Fees, stamp duty and moving take roughly £30,200 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 £750,000 Hampton average and buying at £525,000 releases about £194,800 after costs. Fees, stamp duty and moving take roughly £30,200 of it.
The downsizing sum for Hampton
Start with the gap. Selling at £750,000 and buying at 70% of that, £525,000, leaves £225,000 before costs. Costs are the part people underestimate.
Agent fees at 1.5% are £11,250. Stamp duty on the purchase is £16,250. Total £30,200, leaving £194,800 in hand.
Moving within London rather than out of it keeps you near family and known services. The average price across the county towns we cover is £732,469, against £750,000 here.
Where the sale proceeds go
The commercial page for this town sets out the introduction itself: Equity release in Hampton.
Downsizing against releasing equity
A lifetime mortgage at 65 on the same property would release about £255,000. Downsizing nets £194,800. The difference is that downsizing costs you the house, and equity release costs you the estate.
Over twenty years that £255,000 release grows to roughly £898,529. 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 Hampton is £2,486, 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 Hampton looks like
The schools families ask about here are Hampton Junior School, Hampton Infant School and Nursery, Buckingham Primary School, Hampton High and Hampton School (independent). 4 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: Hampton to London Waterloo takes about 40 to 50 min.
By price, Hampton ranks 89 of the 320 London locations we cover, at £750,000 against a county average of £732,469. Band D council tax here is £2,486, against an average of £2,121 across the towns we cover in the county.
Is Hampton right to stay in?
Hampton is a leafy, affluent riverside suburb on the north bank of the Thames.
The full local guide covers schools, transport and the market in detail: Hampton property and area guide.
- A leafy, affluent riverside Richmond suburb
- Bushy Park & the Thames on the doorstep
- Outstanding & Good schools plus famous independents
- Hampton Court Palace just across the river
- Handsome period, 1930s & riverside housing
- A premium suburb at south-west London prices
- No Underground station, railway only
- Journeys into town take longer than from a Tube suburb
- Busy riverside roads at peak times
- Flats/new-builds need lease checks
| Who it suits | Out of five | Why |
|---|---|---|
| Downsizers | ★★★★☆ | Purpose-built and converted flats near the station and the village, and smaller period homes, suit downsizers wanting parks, the river and amenities on the doorstep with less to maintain. |
| Families | ★★★★★ | Outstanding and Good local schools (Hampton Junior and Hampton Infant are Outstanding; Buckingham Primary and Hampton High are Good) plus the well-known independent Hampton School and Lady Eleanor Holles, Bushy Park, the Thames riverside and Hampton Court across the water, a strong family suburb. |
| Upsizers | ★★★★★ | Large Victorian, Edwardian and detached houses, and premium riverside homes, give real family space and gardens, at a premium, but with parks, the river, good schools and a Waterloo commute. |
| Professionals | ★★★★☆ | South Western Railway into Waterloo, a leafy riverside setting and easy access to the A308 and A316 suit professionals wanting space and the river, if not the buzz of inner London or the Underground. |
| First-time buyers | ★★★☆☆ | Purpose-built and converted flats (often around £350,000 to £500,000) offer a way into a leafy Richmond riverside suburb, but house prices are firmly at premium south-west London levels. |
Hampton is known locally for Hampton Court Palace, and Bushy Park. Hampton Court Palace just across the Thames, the great Tudor and Baroque royal palace of Wolsey and Henry VIII, with its famous maze and gardens, the defining landmark of the Hampton area.
Practical detail for Hampton: the TW12 postcode district, Hampton (South Western Railway, Shepperton branch / Kingston loop, Zone 6), into London Waterloo; no Underground and nearest A and E is Kingston Hospital or West Middlesex (Isleworth), a drive, verify with NHS.
Hampton has history behind the price. In Domesday (1086), Hampton is recorded as a riverside manor of farms and meadows on the north bank of the Thames in Middlesex.
Hampton at a glance
| Downsizing line | Hampton figure |
|---|---|
| Sale price, local average | £750,000 |
| Purchase at 70% of value | £525,000 |
| Estate agent at 1.5% | £11,250 |
| Stamp duty on purchase | £16,250 |
| Legal and moving | £2,700 |
| Total costs | £30,200 |
| Net released | £194,800 |
| Lifetime mortgage alternative at 65 | £255,000 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Hampton
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 £750,000 average
- The council tax band of the property you are buying
- Total moving costs of about £30,200
- 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 Hampton
Broadband speeds can vary street by street in Hampton, 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 Hampton?
Is downsizing better than equity release?
What are the costs of moving?
How do I check broadband speed at a property in Hampton?
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