Stamp Duty on a Bude Home
Stamp duty on the £350,000 Bude benchmark price is £7,500 at standard rates. A first time buyer pays £2,500. A second property or buy to let pays £25,000 once the surcharge is added.
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.
Stamp duty on the £350,000 Bude benchmark price is £7,500 at standard rates. A first time buyer pays £2,500. A second property or buy to let pays £25,000 once the surcharge is added.
What you would pay in Bude
On the £350,000 benchmark, standard residential stamp duty is £7,500. It is due within 14 days of completion.
First time buyer relief brings it to £2,500 at this price. The saving is £5,000.
Stamp duty at the Bude benchmark
The commercial page for this town sets out the introduction itself: Mortgage advice in Bude.
The surcharge that catches people out
If you will still own another residential property worth £40,000 or more anywhere in the world after you buy, the additional property surcharge usually applies. On the £350,000 benchmark that adds £17,500, taking the bill to £25,000.
It catches people mid move, when the old home has not sold. You can usually reclaim the surcharge if you sell the previous main residence within the time limit. Budget for it anyway.
Where it sits in your cash pile
Stamp duty of £7,500 sits alongside a 10% deposit of £35,000 and legal and survey fees. Together that is roughly £45,000 before you own anything.
Rates are those in force from April 2025. Thresholds change with fiscal events, so confirm the current position on gov.uk before you exchange.
What else Bude buyers are budgeting for
The schools families ask about here are Budehaven Community School, Stratton Primary School and Bude Primary Academy - Infants. 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: Bude to Barnstaple (north Devon) takes about 55 to 70 min.
By price, Bude ranks 3 of the 18 Cornwall locations we cover, at £350,000 against a county average of £296,667. Band D council tax here is £2,723, against an average of £2,706 across the towns we cover in the county.
What that price buys in Bude
Bude is a far-north-Cornwall Atlantic surf and seaside resort, a genuine year-round town, but remote.
The full local guide covers schools, transport and the market in detail: Bude property and area guide.
Local prices sit under the £500,000 relief ceiling, so first time buyers here keep the benefit. That is worth real money against neighbouring areas.
| Budget | What it buys here |
|---|---|
| Around £180,000 to £300,000 | A flat or a smaller terrace, the more accessible way in, popular with first-time buyers, downsizers, investors and holiday-let buyers near the town and beaches. |
| Around £300,000 to £500,000 | A terrace, semi or detached family home, a classic Bude year-round home with more space, in the town or on the estates. |
| £500,000 and above | A larger detached or a sought-after sea-view or coastal home near the beaches, the premium end of this popular Atlantic market. |
Bude is known locally for The Sea Pool, the beaches & the surf, and Summerleaze & the Sea Pool. The Bude Sea Pool and the Atlantic beaches at Summerleaze, Crooklets and Widemouth Bay, the surf-and-beach icons that make Bude one of the best-loved resorts on the Cornish coast.
Practical detail for Bude: the EX23 (an Exeter-based postcode, but Bude is firmly in Cornwall) postcode district, no station, the line closed in 1966; the nearest main-line railheads are a long drive away (Exeter, or Bodmin Parkway) and nearest A and E is Genuinely far, North Devon District Hospital (Barnstaple, ~30 miles) or Treliske (Truro); Stratton Hospital MIU near Bude; verify with NHS.
Bude has history behind the price. In Early history, Bude grows as a small fishing and trading settlement at the mouth of the River Neet on the Atlantic coast.
Surfers, coast lovers & remote workers
People who want the Atlantic surf-and-beach lifestyle above all, the beaches, the Sea Pool and the coast path on the doorstep, and who can work locally or remotely and are happy to trade convenience for the coast.
Families, downsizers & local workers
People wanting a genuine year-round coastal community, a comprehensive secondary (Budehaven, Good in all areas) and good primaries, and work with GCHQ, tourism, care or local services, weighing the distance to cities and a major A&E, and the second-home effect on prices.
Holiday-let & second-home buyers
People buying a coastal bolt-hole or a holiday-let investment in one of the South West's most popular surf towns, mindful of Cornwall's 100% second-home premium, furnished-holiday-let and planning rules, and specialist lending; take advice.
Bude at a glance
| Purchase price | Standard rate |
|---|---|
| £210,000 | £1,700 |
| £280,000 | £4,000 |
| £350,000 | £7,500 |
| £440,000 | £12,000 |
| £525,000 | £16,250 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Bude
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Stamp duty of £7,500 treated as cash, not borrowing
- Your first time buyer status confirmed in writing
- The surcharge checked if you own anything else
- Current rates verified on gov.uk before exchange
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 Bude
Broadband speeds can vary street by street in Bude, 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 is stamp duty on a house in Bude?
Do first time buyers pay stamp duty here?
What if I already own a property?
How do I check broadband speed at a property in Bude?
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