Mortgage Adviser & Broker in Billericay
Last reviewed October 2026.
How much do homes cost in Billericay?
Homes in Billericay sold for a median £480,000 across 602 standard sales in the year to July 2026. Flats had a median of £260,500 and detached houses £704,000. These are HM Land Registry sale prices for the Billericay post town within Basildon district, as at July 2026.
| Property type | Sales | Median price | 10th to 90th percentile |
|---|---|---|---|
| All types | 602 | £480,000 | |
| Flats and maisonettes | 66 | £260,500 | about £146,000 to £350,000 |
| Terraced | 95 | £382,500 | about £308,000 to £466,000 |
| Semi-detached | 231 | £470,000 | about £360,000 to £639,000 |
| Detached | 210 | £704,000 | about £500,000 to £1.15m |
Source: HM Land Registry Price Paid Data, standard sales dated 2 July 2025 to 31 July 2026. Recent months fill in late. New builds were rare: 7 of the 602 sales.
Is CM11 or CM12 dearer?
The median sale price was £492,500 in CM12 and £470,000 in CM11. Detached homes cost more in CM11, with a median of £730,000 against £692,500 in CM12.
What does the official house price index say?
The UK House Price Index puts the average price across the whole of Basildon borough at £367,233 in July 2026, up 0.6% on a year earlier. This covers the borough, not Billericay alone. The Essex average was £359,978.
How much is council tax in Billericay?
Band D council tax in the Billericay Town Council area is £2,340.36 for 2026/27. It is made up of Essex County Council, the Essex police and fire precepts, Basildon Borough Council and Billericay Town Council. South Green and Great Burstead are a separate parish, at £2,328.12.
| Band | Billericay Town 2026/27 |
|---|---|
| A | £1,560.24 |
| B | £1,820.28 |
| C | £2,080.32 |
| D | £2,340.36 |
| E | £2,860.44 |
| F | £3,380.52 |
| G | £3,900.60 |
| H | £4,680.72 |
Where does a Band D bill go?
| Authority | Band D 2026/27 |
|---|---|
| Essex County Council | £1,641.96 |
| Essex police precept | £275.31 |
| Basildon Borough Council | £304.56 |
| Essex fire precept | £92.52 |
| Billericay Town Council | £26.01 |
Basildon Borough Council bills and collects the tax. Its own share was frozen at £304.56 for 2026/27. Bands are set by the Valuation Office Agency on 1 April 1991 values. Check a home's band on GOV.UK.
Source: Basildon Council, council tax bands, as at October 2026.
How much could I borrow to buy in Billericay?
Lenders typically cap borrowing at about 4.5 times your yearly income. Most mortgages also need a deposit of at least 5% to 10% of the price. At the Billericay median of £480,000, a 10% deposit is £48,000. Use the calculator below for a rough figure.
The Bank of England limits how much new lending can be at 4.5 times income or more, so some lenders do go higher for some borrowers. A regulated adviser can check what lenders would offer you.
Sources: MoneyHelper and the Bank of England, as at October 2026.
How much stamp duty would I pay in Billericay?
Billericay is in England, so you pay Stamp Duty Land Tax. At the median price of £480,000 a home mover pays £14,000 and a first-time buyer pays £9,000. First-time buyers pay nothing up to £300,000, and lose the relief above £500,000.
Billericay affordability and stamp duty calculator
A quick, no-obligation way to see roughly what you could borrow in Billericay and what stamp duty you'd pay. Illustration only. Real figures depend on the lender and your circumstances.
Illustration only, not a mortgage offer. Lenders' income multiples and criteria vary. Your home may be repossessed if you do not keep up repayments on your mortgage.
Borrowing ready-reckoner (around 4.5× income)
| Yearly income | Rough maximum mortgage |
|---|---|
| £40,000 | ~£180,000 |
| £60,000 | ~£270,000 |
| £75,000 | ~£337,500 |
| £90,000 | ~£405,000 |
| £130,000 | ~£585,000 |
Stamp duty (SDLT) in England, as at October 2026
| Portion of price | Standard rate | First-time buyer |
|---|---|---|
| Up to £125,000 | 0% | 0% (up to £300,000) |
| £125,001 to £250,000 | 2% | 0% (up to £300,000) |
| £250,001 to £925,000 | 5% | 5% on £300,001–£500,000 (no relief over £500,000) |
| £925,001 to £1.5m | 10% | No relief (standard rate) |
| Over £1.5m | 12% | No relief (standard rate) |
Worked examples: a £275,000 home = £3,750 stamp duty (£0 for first-time buyers); a £410,000 home = £10,500 (£5,500 first-time buyer); a £585,000 home = £19,250 (first-time buyer relief doesn't apply over £500,000). An additional-property surcharge of 5% applies to second homes and buy-to-lets.
SDLT rates as at October 2026 (England and Northern Ireland). Scotland (LBTT) and Wales (LTT) differ. Figures are a guide, confirm with your conveyancer.
Which schools are in Billericay?
Billericay has two state secondary schools, Harris Academy Billericay and Mayflower High School, both with sixth forms. Ofsted stopped giving single overall grades in September 2024 and began report cards in November 2025, so each result below shows its date.
| School | Type and area | Latest Ofsted result |
|---|---|---|
| Harris Academy Billericay (formerly The Billericay School) | Academy, 11 to 18, School Road CM12 | Ungraded inspection 28 to 29 February 2024: continued to be a good school |
| Mayflower High School | Academy, 11 to 18, Stock Road CM12 | Report card, 9 December 2025: strong standard for attendance and behaviour, and personal development and wellbeing; expected standard in the other areas |
| Buttsbury Primary School | Academy, 4 to 11, CM12 | Report card, 24 March 2026: strong standard in six areas, expected standard for early years |
| Quilters Infant School | 4 to 7, Laindon Road CM12 | Judged Outstanding in November 2018; inspection 18 to 19 March 2025 found standards maintained |
| Quilters Junior School | 7 to 11, Laindon Road CM12 | Judged Outstanding in March 2017; inspection 19 to 20 November 2024 found standards maintained |
| St Peter's Catholic Primary School | Academy, Coxes Farm Road CM11 | Judged Outstanding in every area on 13 to 14 February 2024 |
| Sunnymede Primary School | 4 to 11, CM11 | Inspected 18 to 19 March 2025: Good in all five areas |
| Brightside Primary School | 4 to 11, CM12 | Ungraded inspection 3 to 4 December 2024: good standards maintained |
| South Green Infant School | 3 to 7, CM11 | Ungraded inspection 10 to 11 October 2023: continues to be good |
| South Green Junior School | 7 to 11, CM12 | Ungraded inspection 20 to 21 April 2022: continues to be good |
Harris Academy Billericay was called The Billericay School until September 2026. St John's School on Stock Road is an independent school for ages 2 to 16. Read the current report for any school on Ofsted reports. Inspection results as at October 2026.
How long is the train from Billericay to London?
Billericay station is on the Greater Anglia line to London Liverpool Street. Direct trains take 34 minutes on average, with up to three an hour on weekdays. Shenfield is about 7 minutes away, where you can change for the Elizabeth line. There is no direct train to Basildon or Chelmsford.
| From Billericay to | Time | Route |
|---|---|---|
| London Liverpool Street | 34 min on average (31 to 38) | Greater Anglia, direct |
| Shenfield | about 7 min | Greater Anglia, direct; change for the Elizabeth line |
| Chelmsford | 28 min on average | one change |
The station on Radford Way has step-free access to all platforms and 389 parking spaces, run by Greater Anglia. c2c does not serve Billericay. By road, the A176 links the town to the A127 and the B1007 runs north to Chelmsford.
Sources: Greater Anglia (updated August 2026) and National Rail.
Where are the GP surgeries and hospitals near Billericay?
The nearest A&E is at Basildon University Hospital, about 5 miles south in a straight line, run by Mid and South Essex NHS Foundation Trust. Billericay GP practices include The New Surgery and The Billericay Medical Practice, both on Stock Road.
- The New Surgery, 27 Stock Road, CM12 0AH
- The Billericay Medical Practice, The Health Centre, Stock Road, CM12 0BJ
- Chapel Street Surgery, 93 Chapel Street, CM12 9LR
- Western Road Surgery, 41 Western Road, CM12 9DX
- Queens Park Surgery, 24 The Pantiles, CM12 0UA
Check whether a practice is taking new patients on NHS find a GP. Essex Police covers the town: call 999 in an emergency and 101 otherwise. Billericay Fire Station on Laindon Road is an on-call station.
How do I check flood risk in Billericay?
Check the long-term flood risk for the exact address on GOV.UK before you offer. It covers rivers and the sea, surface water, reservoirs and, where data exists, groundwater. Live warnings are a separate service. Essex County Council is the lead local flood authority.
Use GOV.UK long-term flood risk, check for flooding for current warnings, and Essex County Council flood advice.
What is Billericay known for?
Billericay is known for its links to the Mayflower: four people from the town sailed in 1620, and Christopher Martin is believed to have lived in the Old Chantry on the High Street. The town first appears in records as Byllyrica in 1291. Norsey Wood is the suggested site where the last Peasants' Revolt rebels were defeated in 1381.
- The Church of St Mary Magdalene on the High Street is Grade II* listed. Its brick tower dates from the 15th century.
- Billerica in Massachusetts was founded in 1655.
- Gavin, the lead character in Gavin and Stacey, is from Billericay.
Sources: Basildon Council history pages, Historic England and BBC News.
What parks and leisure are there in Billericay?
Norsey Wood is ancient woodland of about 165 acres, protected as a Local Nature Reserve, a Site of Special Scientific Interest and a Scheduled Monument. Lake Meadows has a lake, play areas and the cricket ground, and Queens Park Country Park covers 60 acres of meadow and woodland.
- Billericay Town FC plays at New Lodge, Blunts Wall Road.
- Billericay Cricket Club plays at the Toby Howe Ground in Lake Meadows Park.
- Billericay Rugby Club is based at Willowbrook Sports and Social Club on Stock Road.
- Basildon Sporting Village has a pool, an athletics stadium and a gym.
Sources: Basildon Council park pages and the clubs' own websites, as at October 2026.
Check broadband before you make an offer in Billericay
Broadband speeds can vary street by street in Billericay, 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.
Check broadband at an address (Ofcom)How does an introduction to a mortgage adviser work?
Tell us what you need and we pass your enquiry to a separately regulated mortgage adviser, with your permission. We do not advise on mortgages ourselves. The introduction costs you nothing. If you go ahead, we may be paid a fee by the firm we introduce you to.
We do advise on protection ourselves: life insurance, critical illness cover and income protection.