Downsizing in Stubbington: What You Would Actually Release
Selling at the £425,000 Stubbington average and buying at £297,500 releases about £113,550 after costs. Fees, stamp duty and moving take roughly £13,950 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 £425,000 Stubbington average and buying at £297,500 releases about £113,550 after costs. Fees, stamp duty and moving take roughly £13,950 of it.
Running the downsizing numbers in Stubbington
Start with the gap. Selling at £425,000 and buying at 70% of that, £297,500, leaves £127,500 before costs. Costs are the part people underestimate.
Agent fees at 1.5% are £6,375. Stamp duty on the purchase is £4,875. Total £13,950, leaving £113,550 in hand.
Where the sale proceeds go
The commercial page for this town sets out the introduction itself: Equity release in Stubbington.
Two routes to the same cash, priced
A lifetime mortgage at 65 on the same property would release about £144,500. Downsizing nets £113,550. The difference is that downsizing costs you the house, and equity release costs you the estate.
Over twenty years that £144,500 release grows to roughly £509,167. 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 Stubbington is £2,271, 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 Stubbington looks like
The schools families ask about here are Crofton Anne Dale Junior School, Crofton School, Sixth-form & college and Independent options (Portsmouth/Southampton). 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: Transport in Stubbington is road-led, with Fareham's main line close by. These indicative times are a starting point, always verify current timetables before relying on a specific journey.
By price, Stubbington ranks 142 of the 178 Hampshire locations we cover, at £425,000 against a county average of £535,916. Band D council tax here is £2,271, against an average of £2,319 across the towns we cover in the county.
Moving within Hampshire rather than out of it keeps you near family and known services. The average price across the county towns we cover is £535,916, against £425,000 here.
Is Stubbington right to stay in?
Stubbington is a large coastal village near the Solent shore at Hill Head.
The full local guide covers schools, transport and the market in detail: Stubbington property and area guide.
- A large, popular coastal village
- Well-regarded Crofton schools
- The coast at Hill Head & Titchfield Haven
- A busy village centre with shops
- Family-friendly village feel
- No station in the village (Fareham ~3mi)
- The main road towards Fareham can be busy at peak times
- A flood consideration on low ground near the coast
- Coast-side & older homes need careful surveys
- Larger/coast-side homes mean substantial lending
| Who it suits | Out of five | Why |
|---|---|---|
| Downsizers | ★★★★☆ | A well-served village with shops and services close by suits buyers wanting coast and convenience without a big house to run. |
| Families | ★★★★★ | The well-regarded Crofton primaries and secondary, a busy village centre and the beach and nature reserve near by make this a strong, popular family village. |
| Retirees | ★★★★☆ | A coastal village with the Solent shore, walks and full amenities on the doorstep, though the nearest A&E and station are a drive at Fareham. |
| First-time buyers | ★★★☆☆ | A popular village keeps prices firm, but flats and smaller homes give a way in, with Fareham near for cheaper stock. |
| Commuters (to London) | ★★☆☆☆ | No station in the village, you drive to Fareham (~3 miles) for the line, so it suits local and car commuters far more than London ones. |
Stubbington is known locally for The Titchfield Abbey link, and The Hovercraft Museum near by. Stubbington and Crofton were both recorded in the Domesday Book as belonging to the estates of the great Titchfield Abbey nearby, a link reaching back to 1086.
Practical detail for Stubbington: the PO14 postcode district, no own station, Fareham (~3mi, main line, direct to London) and nearest A and E is Queen Alexandra Hospital (QA), Cosham, a drive; verify with NHS.
Stubbington has history behind the price. In 1086, Stubbington and Crofton are recorded in the Domesday Book as estates of Titchfield Abbey.
Stubbington at a glance
| Downsizing line | Stubbington figure |
|---|---|
| Sale price, local average | £425,000 |
| Purchase at 70% of value | £297,500 |
| Estate agent at 1.5% | £6,375 |
| Stamp duty on purchase | £4,875 |
| Legal and moving | £2,700 |
| Total costs | £13,950 |
| Net released | £113,550 |
| Lifetime mortgage alternative at 65 | £144,500 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Stubbington
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 £425,000 average
- The council tax band of the property you are buying
- Total moving costs of about £13,950
- 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 Stubbington
Broadband speeds can vary street by street in Stubbington, 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 Stubbington?
Is downsizing better than equity release?
What are the costs of moving?
How do I check broadband speed at a property in Stubbington?
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