Mortgage Advice in Egham: Property, Schools & Local Area Guide
Egham
A buyer’s guide to Egham — property prices and council tax, schools and their real Ofsted position, transport, healthcare, flood risk, the local lending realities, and the questions worth asking before you commit.
- Quick Answers
- Prices
- Market
- Why Egham
- Transport
- Schools
- Police & Fire
- Areas
- Healthcare
- Flood
- History
- Beyond the Mortgage
- FAQs
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That’s Family Finance is an FCA-regulated protection adviser (life insurance, critical illness cover and income protection). We do not arrange mortgages ourselves — we introduce you to carefully selected, award-winning, FCA-regulated mortgage advisers, with no obligation.
Figures in this guide were correct when it was produced and do change. Always verify council tax with the local council, school ratings with Ofsted and journey times with the operator before you rely on them. This guide is information, not financial or mortgage advice.
Mortgage Advice in Egham: Property, Schools & Local Area Guide
Whether you're buying your first home in Egham, remortgaging, upsizing or simply researching this historic Surrey town — home to Runnymede and the Magna Carta story, Royal Holloway University, the River Thames, and outstanding M25 and Heathrow links — this guide covers what buyers and homeowners actually want to know.
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Quick answers about Egham
Click any question to expand the full detail and sources.
Is Egham a good place to live?⌄
Yes — a historic Thames-side town with great links and a university.
Yes — Egham is a well-connected town in the Borough of Runnymede, on the south side of the Thames near the Surrey/Berkshire border. It is famous for Runnymede, where Magna Carta was sealed in 1215, and for Royal Holloway, University of London. It offers trains to London Waterloo, outstanding road links via the M25 (Junction 13) with Heathrow close by, and green space including Windsor Great Park nearby. The main things to weigh are Thames flood risk in low-lying areas such as Egham Hythe, and a busy, university-town character.
Sources: en.wikipedia.org/wiki/Egham | rightmove.co.uk — TW20
Is Egham expensive?⌄
Mid-range for Surrey — around £540,000.
Egham is more accessible than the priciest Surrey towns. Over the last year the average sold price in the TW20 postcode was around £540,300, though it was about 7% down on the previous year and 12% below the 2022 peak. There is a real range, from more accessible flats to substantial detached and Englefield Green homes. Its links, the university and the Thames support demand. Always verify current prices via Land Registry data or independent valuation advice for the exact area.
Sources: rightmove.co.uk — TW20 | landregistry.data.gov.uk
Does Egham have a train station?⌄
Yes — trains to London Waterloo via Staines.
Yes — Egham station is on the South Western Railway line from London Waterloo to Reading and Weybridge, via Staines, with journeys to Waterloo taking around 40 to 55 minutes. Egham's real transport strength, though, is the road network: it sits right by the M25 (Junction 13), with Heathrow close by and Windsor and the A30 nearby, making it exceptionally well connected for drivers and travellers. Always check current timetables before relying on a specific journey.
Sources: en.wikipedia.org — Egham station | nationalrail.co.uk
What is Egham known for?⌄
Runnymede and Magna Carta, and Royal Holloway University.
Egham is known above all for Runnymede, the Thames-side meadow where King John sealed Magna Carta in 1215, now National Trust land with memorials including the American Bar Association's Magna Carta memorial. It is also known for Royal Holloway, University of London, with its landmark Founder's Building at nearby Englefield Green, and for its proximity to Windsor Great Park, Thorpe Park and Ascot. Great Fosters and the Air Forces Memorial add further interest.
Sources: en.wikipedia.org — Runnymede | en.wikipedia.org — Royal Holloway
Does Egham have a hospital with A&E?⌄
No A&E in town; the nearest is St Peter's, Chertsey.
Egham does not have its own A&E. The nearest full Accident & Emergency departments are at St Peter's Hospital in Chertsey and Wexham Park Hospital near Slough, both a drive away, with others also within reach. There are GP surgeries and community health services in the town. So while there is no A&E in Egham itself, full departments are reachable by road. As NHS services can be reconfigured, always confirm the current arrangements directly with the NHS.
Sources: ashfordstpeters.nhs.uk — St Peter's
Is Egham right for you?
Every town suits some buyers better than others — here is how Egham rates for the people who most often buy here, and why.
| Buyer type | Rating | Why |
|---|---|---|
| Commuters (London & Heathrow) | ★★★★★ | The M25 (Junction 13) and Heathrow are minutes away, with trains to Waterloo via Staines — exceptional for drivers and airport workers. |
| First-time buyers | ★★★★☆ | More accessible flats and terraces than the priciest Surrey towns, with FTB stamp-duty relief; flood checks near the river are the main caveat. |
| Families | ★★★★☆ | The Good-rated Magna Carta School, Strode's sixth form, Runnymede and Windsor Great Park — tempered by no A&E in town and flood risk in Egham Hythe. |
| Buy-to-let landlords & investors | ★★★★★ | A strong, reliable student-rental market around Royal Holloway underpins buy-to-let demand year on year. |
| Downsizers | ★★★☆☆ | Flats and central homes exist, but the busy university-town character and flood-risk pockets make it less of a natural downsizer haven than a quiet village. |
An honest, at-a-glance summary of what Egham does brilliantly — and what to weigh carefully — before you commit.
Egham at a glance
The key facts buyers ask us about most, in one place.
| Fact | Detail |
|---|---|
| County & council | Surrey; Runnymede Borough Council + Surrey County Council |
| Postcode district | TW20 |
| Approx. population | ~7,300 (Egham Town ward, 2021 census; larger with Englefield Green & Egham Hythe) |
| Average house price | ~£540,000 (TW20; more accessible than the priciest Surrey towns) |
| Railway | Egham — South Western Railway to London Waterloo via Staines |
| Full A&E | No A&E in town; nearest at St Peter's (Chertsey) and Wexham Park (Slough) |
| Schools | The Magna Carta School (state secondary); Strode's College (sixth form); Royal Holloway University — Surrey non-selective |
| Police & fire | Surrey Police; Surrey Fire and Rescue Service |
| Famous for | Runnymede & Magna Carta, Royal Holloway University, the River Thames, Windsor Great Park nearby |
| Motorways | The M25 (Junction 13) on the doorstep; the A30 and Heathrow close by |
| Green space | Runnymede meadows (National Trust), the Thames, Windsor Great Park nearby |
| Council tax (Band D) | £2,492.99 for 2026/27 (Runnymede — confirm your band) |
Property prices & council tax in Egham
Egham offers relative value with outstanding connectivity and a famous university — from accessible flats to family and Englefield Green homes — with the caveat that Thames flood risk varies by location. Note the headline figure eased over the last year, so treat the ranges below as an indicative guide and verify for the exact area.
| Property type / area | Typical position in the market | Who it suits |
|---|---|---|
| Flats & apartments | Indicatively around £260,000–£380,000 | First-time buyers, investors & downsizers |
| Terraced homes | Indicatively around £420,000–£520,000 | First-time buyers & smaller families |
| Egham (TW20) average | Around £540,000 (eased ~7% over the year; verify locally) | A broad benchmark for the postcode |
| Semi-detached homes | Indicatively around £520,000–£700,000 | Growing families |
| Detached & Englefield Green homes | Indicatively £750,000 and above | Buyers wanting space, gardens and the Green |
What income might you need?
These illustrative figures use roughly 4.5x household income and assume a typical deposit. They are a starting point for budgeting only — not a quote or advice.
£320,000
Flat / smaller home (indicative)
~£71,000
household income (guide)
£540,000
Town average
~£120,000
household income (guide)
£800,000
Detached (indicative)
~£178,000
household income (guide)
Egham affordability & stamp duty calculator
A quick, no-obligation way to see roughly what you could borrow in Egham and what stamp duty you'd pay. Illustration only — real figures depend on the lender and your circumstances.
Illustration only, not a mortgage offer or personalised advice. 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 |
| £120,000 | ~£540,000 |
Stamp duty (SDLT) in 2026 — England
| Portion of price | Standard rate | First-time buyer |
|---|---|---|
| Up to £125,000 | 0% | 0% (up to £300,000) |
| £125,001 – £250,000 | 2% | 0% (up to £300,000) |
| £250,001 – £925,000 | 5% | 5% on £300,001–£500,000 (no relief over £500,000) |
| £925,001 – £1.5m | 10% | — |
| Over £1.5m | 12% | — |
Worked examples: a £250,000 home = £2,500 stamp duty (£0 for first-time buyers); a £450,000 home = £12,500 (£7,500 first-time buyer); a £650,000 home = £22,500 (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 2026 (England & Northern Ireland). Scotland (LBTT) and Wales (LTT) differ. Figures are a guide — confirm with your conveyancer.
The Egham property market in depth
Egham offers a good mix of homes at relatively accessible prices — flats and terraces, family homes, Englefield Green houses and a lively student-rental market around Royal Holloway — with the M25, Heathrow and the university driving demand, tempered by flood checks near the river.
| Property type | What to expect | Typical guide |
|---|---|---|
| Flats & apartments | Town-centre and new-build flats, popular with first-time buyers, investors and downsizers; check lease, service charges and flood history. | £230,000–£380,000 |
| Terraced homes | Period and modern terraces around the town and Egham Hythe, walkable to the station. | £400,000–£520,000 |
| Semi-detached family homes | A core part of the market for families wanting space near the schools and M25. | £520,000–£720,000 |
| Detached & Englefield Green homes | Larger detached houses and the sought-after homes of Englefield Green near the university and the Great Park. | £750,000–£2m+ |
Egham's appeal — the Runnymede heritage, Royal Holloway, the M25 and Heathrow, and relative value — makes it a steady, varied market, with a notable buy-to-let and student-rental element around the university. Englefield Green, near the Great Park, commands a premium.
That mix means budgeting and the right mortgage matter — from first-time buyer relief on flats to buy-to-let lending for student rentals and larger loans for family homes — and, near the river, flood checks come first. A whole-of-market mortgage adviser helps you match the right lender to your plans — the kind of introduction we can arrange.
What makes Egham so popular?
Egham's appeal is heritage and connectivity with a university buzz — Runnymede and the Thames, Royal Holloway, and the M25 and Heathrow on the doorstep.
Outstanding road links & Heathrow
The M25 (Junction 13) is right on the doorstep, with Heathrow close by and Windsor and the A30 nearby — exceptional for drivers, travellers and Heathrow workers.
Runnymede, the Thames & the Great Park
The historic Runnymede meadows, the River Thames, and Windsor Great Park nearby — extraordinary green space and heritage on the doorstep.
Royal Holloway & a lively town
The famous university at Englefield Green brings life, culture and a strong rental market, alongside an everyday town centre and Strode's College.
Transport & commuting from Egham
Egham's connectivity, especially by road, is a defining strength. These indicative times are a starting point — always verify current timetables before relying on a specific journey.
| Route | Approx. time | Notes |
|---|---|---|
| Egham → London Waterloo | ~40–55 min | Via Staines (South Western Railway) |
| Egham → M25 (Junction 13) | ~3–5 min drive | Right on the doorstep, for the orbital motorway |
| Egham → Heathrow Airport | ~15 min drive | Via the M25 — a major convenience for travellers and workers |
| Egham → Staines-upon-Thames | ~5 min | For shopping and onward connections |
| Egham → Windsor | ~15 min drive | The royal town and the Great Park nearby |
| Egham → Reading | ~40 min | West on the line, for the Thames Valley |
| Egham → Royal Holloway / Englefield Green | ~5 min | The university and the Green just west |
| Egham → central London (by road) | ~50–70 min drive | Via the M25/M4 or A30, traffic depending |
Getting around Egham
Day-to-day mobility here is worth thinking through — the practical picture.
By train
Egham station, on the Waterloo–Reading/Weybridge line via Staines, gives trains to London Waterloo (around 40 to 55 minutes) — useful, though the town's real strength is the road network.
By car
The M25 (Junction 13) is right on the doorstep, with the A30 and M3 close, giving fast access to London, Heathrow, Windsor and the wider motorway network.
For the airport
Heathrow is within around 15 minutes by road — a major convenience, and a big draw for Heathrow workers.
By bus
Local bus services link Egham with Staines, Windsor, Virginia Water, Englefield Green and the surrounding area — check current routes for your needs.
On foot
The town centre and station are walkable, and Runnymede, the Thames and Englefield Green give riverside and green walking on the doorstep.
By river
The Thames at Runnymede and Egham offers boating and riverside leisure — part of the town's character.
Schools in Egham
Surrey runs a comprehensive, non-selective state system in Runnymede — there is no 11-plus here. Egham has a state secondary and a well-regarded sixth-form college, plus a famous university, with several primaries. Because catchments matter, confirm the current position directly.
| School | Type | Inspection | Notes |
|---|---|---|---|
| The Magna Carta School | Secondary (state, co-ed) | Good | A non-selective state secondary at Egham Hythe serving the town, rated Good at its most recent graded inspection — check catchment and admissions carefully, and read its latest report. |
| Strode's College | Sixth-form college (state) | Good | A well-regarded sixth-form college in Egham, dating from 1706, rated Good by Ofsted (November 2024) — a popular and long-established post-16 option for the area. |
| Egham primary schools | Primary (state & church) | Read report | The town and Englefield Green have state and church primaries — check each one's current report and catchment. |
| Royal Holloway, University of London | Higher education | University | A famous university just west at Englefield Green, with its landmark Founder's Building — a major local employer and the heart of the student-rental market (a university, so not Ofsted-rated). |
Map, Police & Fire Services in Egham
A useful local guide should show the practical services buyers actually check — policing, fire cover, emergency healthcare and the local crime context for Egham.
Interactive map of Egham — view it on the online guide at thatsfamilyfinance.co.uk.
Popular parts of Egham & nearby
Where you buy in Egham shapes both your budget and your flood exposure — from the town centre to riverside Egham Hythe and leafy Englefield Green. A quick orientation to some of the best-known areas.
Local highlights & days out from Egham
Egham packs national history, a famous university and riverside greenery into a well-connected town. A few of the best-loved local highlights.
Sports, leisure & community in Egham
For a well-connected town, Egham offers plenty — national heritage, royal parks, the river and university culture.
Heritage & outdoors
Runnymede, the Thames, Windsor Great Park and the Air Forces Memorial give walking, history and green space of national importance right on the doorstep.
University & culture
Royal Holloway brings cultural events, sport and a lively atmosphere, alongside the town's shops, pubs and museum.
Sport & days out
Golf, riverside sport and leisure, with Thorpe Park, Ascot Racecourse and Windsor all close by for days out.
Healthcare & local services in Egham
Healthcare access is reasonable for Egham — GP and community services in town, with full A&E departments a drive away.
The town has a good range of GP surgeries, dentists and pharmacies, with St Peter's Hospital nearby, though GP and dental registration availability changes over time. Always check directly with a practice about its current catchment before relying on it for a move.
Living in Egham
Day to day, Egham is a well-connected, historic town with a university buzz and the Thames on the doorstep — a genuine town, not a dormitory. Here is a sense of everyday life.
The town centre has shops, pubs, a museum and everyday amenities, with larger shopping at Staines and Windsor nearby, and Runnymede, the Thames and Windsor Great Park close by, plus Royal Holloway bringing cultural life. Egham combines that with outstanding M25 and Heathrow links and relative value — the blend that keeps it popular with commuters, families and investors.
Connectivity is generally strong — superfast and full-fibre broadband reach most of the town, and trains to London Waterloo suit commuters, with the M25 for drivers. The main trade-off is Thames flood risk in low-lying areas such as Egham Hythe and Runnymede, which have flooded after exceptional winter rainfall — so flood checks matter when choosing where to buy.
| Everyday amenity | In Egham? | Nearest / notes |
|---|---|---|
| Primary schools | Yes | State and church primaries in Egham and Englefield Green — check catchment |
| Secondary schools | Yes | The Magna Carta School (state); Strode's College for sixth form; Royal Holloway (university) |
| GP & hospital | Yes / nearby | GP surgeries in town; St Peter's Hospital a drive away |
| Full A&E | By road | St Peter's (Chertsey) and Wexham Park (Slough) |
| Mainline station | Yes | Egham — trains to London Waterloo via Staines |
| Supermarket & high street | Yes | Town-centre shops and supermarkets; larger shopping at Staines/Windsor |
| Green space & river | Yes | Runnymede, the Thames and Windsor Great Park (check flood risk near the river) |
Working & connectivity in Egham
More people than ever work from home or hybrid, so it's worth being realistic about connectivity across the town.
Superfast broadband reaches essentially all of Egham and full-fibre is widely available, so the town is well suited to home and hybrid working, backed by trains to London and the M25 for travel days. As always, check the exact address on the providers' and Ofcom's coverage checkers before you commit.
| Connectivity | Typical picture |
|---|---|
| Fixed broadband | Superfast across the town; full-fibre widely available; check the exact address |
| Mobile coverage | Generally good across the town; check the exact postcode |
| Rail for office days | Trains to London Waterloo via Staines (~40–55 min) |
| Road & air | M25 (Junction 13) on the doorstep; Heathrow ~15 min by road |
Flood risk in Egham
Here honesty matters — Egham sits by the Thames, and low-lying areas such as Egham Hythe and Runnymede have flooded after exceptional Thames Valley winter rainfall, so flood risk is an important local consideration.
Cost of living & running a home in Egham
Beyond the mortgage, it helps to picture the ongoing costs of a home here. Indicative only — always confirm for a specific property.
| Typical ongoing cost | Indicative figure | Notes |
|---|---|---|
| Council tax (Band D, 2026/27) | £2,492.99 | Runnymede Borough + Surrey County Council + Surrey Police; parish precepts apply in some nearby areas — confirm your band |
| Buildings insurance | Varies — check early | Low-lying and near-river property can affect premiums; check flood cover before committing |
| Water & wastewater | ~£450–£650/yr | Affinity Water / Thames Water area; varies by household and whether metered |
| Broadband | ~£28–£45/mth | Superfast and full-fibre widely available; check the exact address |
Financing a home in Egham
A well-connected, historic town with a university market is a great place to buy, but a few mortgage points are worth understanding first.
Egham suits first-time buyers, families and investors — first-time buyer SDLT relief helps on flats, while family and Englefield Green homes need larger loans, and the Royal Holloway student market means buy-to-let lending is a common local need, with its own criteria and the SDLT surcharge. For low-lying and riverside homes, flood risk can affect insurance and lending, so check it early.
A whole-of-market approach helps, because the best lender for a first flat, a student-let investment, a family home or a riverside house is rarely the same. That's Family Finance introduces you to carefully selected, FCA-regulated mortgage advisers, and we make sure your protection is set up properly alongside it. Talk to us →
Conveyancing & the searches to expect in Egham
A few standard checks are worth their weight when buying in Egham — here's what a good conveyancer will look at.
History, heritage & famous connections
Egham's place in history is assured by Runnymede, the Thames-side meadow just north of the town where King John sealed Magna Carta in 1215 — a foundation of constitutional liberty, now commemorated by National Trust land and memorials including the American Bar Association's Magna Carta memorial and the Air Forces Memorial nearby. The town itself grew as a coaching and river settlement on the road west from London.
In the 19th century the founding of Royal Holloway College (now Royal Holloway, University of London), with its magnificent Founder's Building at Englefield Green, transformed the area, and the railway and later the M25 cemented Egham's connectivity. Today Egham is a historic, well-connected Runnymede town, balancing its heritage and university life with the ever-present awareness of Thames-side flood risk.
Egham through the ages
A quick timeline of the moments that shaped the town you would be buying into.
| Year | Milestone |
|---|---|
| 1215 | King John seals Magna Carta at Runnymede, just north of Egham. |
| Coaching era | Egham grows as a coaching and river settlement on the road west from London. |
| 1706 | Strode's (now a sixth-form college) is founded. |
| 1879–1886 | Royal Holloway College is founded and built, with its landmark Founder's Building at Englefield Green. |
| 20th c. | The railway and later the M25 (Junction 13) cement Egham's connectivity; the Air Forces Memorial is built. |
| 2013–14 | Exceptional Thames Valley rainfall floods Runnymede and parts of Egham Hythe. |
| Today | Egham is a historic, well-connected university and commuter town in Runnymede. |
Famous connections
A few of the people and stories that put Egham on the map.
Runnymede & Magna Carta
The Thames-side meadow where Magna Carta was sealed in 1215 — a site of world importance, now National Trust land, on Egham's doorstep.
Royal Holloway, University of London
The famous university at Englefield Green, with its spectacular Founder's Building — a landmark, employer and cultural draw.
Windsor Great Park & the Air Forces Memorial
One of the great royal parks nearby, and the Commonwealth Air Forces Memorial at Englefield Green — heritage and green space of national note.
Looking beyond the mortgage
Buying a home in Egham is a major commitment — and the mortgage is only part of the picture. Whatever you buy, the right protection makes sure the home stays yours if life does not go to plan.
Life cover
Pays out a lump sum if you die during the policy term — typically arranged to clear the mortgage so your family can stay in the home.
Critical illness cover
Pays out if you are diagnosed with a serious illness the policy covers — helping you keep up payments while you focus on recovery.
Income protection
Replaces part of your income if you cannot work due to illness or injury — often the most overlooked, and most valuable, cover of all.
That's Family Finance is an FCA-regulated protection adviser — life insurance, critical illness cover and income protection are what we do. We don't arrange mortgages ourselves; we introduce you to carefully selected, FCA-regulated mortgage advisers, and make sure your protection is set up properly alongside it. Talk to us →
Things people don't always tell you about Egham
Beyond the brochure, a few honest points worth weighing before you commit to buying here.
Egham compared with nearby towns
How Egham sits against the places buyers most often weigh against it — a quick, indicative comparison.
| Town | Rough average price | Station? | Character |
|---|---|---|---|
| Egham | ~£540,000 | Yes (to Waterloo via Staines) | Historic Runnymede/Royal Holloway town; M25 J13 |
| Englefield Green | Often £700,000+ | Via Egham | Leafy, premium village by the university and Great Park |
| Chertsey | ~£515,000 | Yes (to Waterloo) | Historic Thames town with A&E, ~4 miles |
| Staines-upon-Thames | ~£400,000–£450,000 | Yes (to Waterloo) | Larger Thames town (Spelthorne), ~2 miles |
| Virginia Water | £1m+ | Yes (to Waterloo) | Exclusive village to the south, ~3 miles |
Pros & cons of living in Egham
An honest, balanced summary to weigh up.
| In its favour | To weigh carefully |
|---|---|
| The M25 (Junction 13) and Heathrow on the doorstep | Thames flood risk in Egham Hythe and near Runnymede |
| Runnymede, Magna Carta and Windsor Great Park | A busy, university-town character |
| Royal Holloway — culture, jobs and rental demand | No A&E in the town (St Peter's/Wexham Park by road) |
| More accessible prices than the priciest towns | Rail to London is via Staines, not the fastest |
| A strong buy-to-let/student market | Englefield Green premium is high |
| The River Thames and riverside walks | Detached and riverside homes command a premium |
Villages & areas around Egham
Many buyers who love Egham look just outside it too — a quick guide.
Who tends to move to Egham?
Understanding your fellow buyers helps you read the market and pitch an offer.
Commuters & Heathrow workers
People wanting the M25 and Heathrow minutes away, with trains to London and relative value.
Investors & landlords
Buyers drawn to the strong student-rental market around Royal Holloway — with buy-to-let lending and the SDLT surcharge to plan for.
Families & first-time buyers
People wanting heritage, green space and value — provided they check school catchment and, near the river, flood risk.
What your money buys in Egham
A rough sense of what different budgets tend to secure — indicative only, and hugely dependent on position and condition.
Your move to Egham, step by step
A simple order of play that keeps things on track.
1. Get your budget straight
Work out your deposit, borrowing capacity and the true monthly cost (council tax, insurance and SDLT, with first-time buyer relief on flats or the surcharge on buy-to-let). A mortgage in principle makes you a credible buyer.
2. Check the property early
For low-lying homes, check flood history and insurance; for buy-to-let, check lending and licensing; and on flats, check lease terms — before you fall in love.
3. Line up the right people
A whole-of-market mortgage adviser, a good surveyor and a local conveyancer will save you time, money and stress. We can introduce you to the first.
Already live in Egham?
This guide isn't just for people moving in. If you already own here, a few moments now can save a lot later.
If your current mortgage deal is within about six months of ending, it's usually worth reviewing your options rather than drifting onto your lender's standard variable rate, which is often more expensive. And whether or not you're moving, it's worth checking that your protection still matches your life. We can introduce you to a whole-of-market, FCA-regulated mortgage adviser, and review your life cover, critical illness cover and income protection alongside it.
Review my options →In summary: buying in Egham
If you are weighing up a move to the town, here is the honest bottom line.
Quick tips before you buy in Egham
- Visit the town, Runnymede and Englefield Green to understand the riverside and the higher ground.
- Check flood risk (river and surface water) by exact postcode, especially in Egham Hythe and near Runnymede.
- Confirm buildings insurance (with flood cover) is available and affordable before committing near the river.
- For buy-to-let near Royal Holloway, check lending, the SDLT surcharge and HMO licensing.
- Get a full building survey on older homes.
- Check first-time buyer SDLT relief on flats and cheaper homes.
- Confirm the exact train times to Waterloo (via Staines) and the M25/Heathrow drive for your working pattern.
- Check The Magna Carta School catchment and admissions for the exact address.
- On flats and new-builds, check lease terms, service charges and warranties.
- Test broadband and mobile coverage at the exact address.
- Consider student-let demand and management if investing near the university.
- Get a mortgage agreement in principle so you can act quickly.
- Review your protection at the same time as your mortgage.
- Take your conveyancer's advice on flood and standard searches.
Nearby areas worth considering
If you are weighing Egham against the surrounding area, these are the places buyers most often compare.
Chertsey
The historic Thames town to the south, in the same Runnymede borough, with its own A&E at St Peter's. Mortgage advice in Chertsey →
Weybridge
The affluent Thames-side town a few miles south-east, with Brooklands and St George's Hill. Mortgage advice in Weybridge →
Woking
The larger commuter town about eight miles away, with a redeveloped centre and fast London trains. Mortgage advice in Woking →
Family Protection
Whichever area you choose, the right life cover, critical illness cover and income protection matter just as much as the mortgage.
Talk to us →Speak to Us
Researching Egham or a nearby area? We are always happy to point people in the right direction.
Get in touch →Frequently asked questions
Is Egham a good place to live?
Is Egham expensive?
Does Egham have a train station?
What is Egham known for?
Does Egham have grammar schools?
Does Egham have a hospital or A&E?
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Whether you're researching Egham, planning a move, reviewing your finances or simply exploring your options — we're always happy to point people in the right direction.
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Transport information is approximate and can change; Egham station is on the South Western Railway line from London Waterloo to Reading and Weybridge via Staines, with journeys to Waterloo around 40 to 55 minutes, and the M25 (Junction 13) is on the doorstep with Heathrow close by — always verify current timetables at nationalrail.co.uk before travelling. Ofsted information is based on the most recent publicly available reports. Runnymede operates a comprehensive, non-selective state school system — there is no 11-plus; the town's state secondary is The Magna Carta School, with the sixth-form college Strode's and Royal Holloway, University of London, also in the area — confirm catchment and admissions with each school and Surrey County Council. From September 2024 Ofsted no longer awards a single overall effectiveness grade at routine state-school inspections. Healthcare: Egham has GP surgeries and community services but no A&E; the nearest A&E departments are at St Peter's Hospital (Chertsey) and Wexham Park Hospital (near Slough), a drive away; NHS services can be reconfigured, so always verify current arrangements with the NHS. References to Runnymede, Magna Carta, Royal Holloway University, Windsor Great Park, the Air Forces Memorial, Great Fosters, Thorpe Park and Ascot are for context. Crime information is general — check current data at police.uk. Flood-risk: Egham sits by the Thames, and low-lying areas such as Egham Hythe and Runnymede have flooded after exceptional Thames Valley winter rainfall (notably 2013–14), while higher ground such as Englefield Green is at lower risk; always check the exact postcode at check-for-flooding.service.gov.uk and confirm buildings insurance (including flood cover) before committing. Council tax: Egham is in the Borough of Runnymede, Surrey; the full Band D bill for 2026/27 is £2,492.99 (Runnymede Borough £202.00 + Surrey County Council £1,938.42 + Surrey Police £352.57), with parish precepts applying in some nearby areas such as Englefield Green and Thorpe — confirm your band with Runnymede Borough Council. Property prices are indicative and based on recent public sold-price data — the TW20 postcode averaged around £540,300 over the last year, more accessible than the priciest Surrey towns and about 7% down year on year; verify current values via Land Registry or an independent valuation. Salary and affordability figures are illustrative only and do not constitute financial advice. Stamp duty figures should be verified using the official GOV.UK SDLT calculator.
The information on this page is for educational purposes only and does not constitute financial advice. That's Family Finance is an independent, FCA-regulated firm (No. 1038034).
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