A buyer’s guide to St Margarets, 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 St Margarets
- Transport
- Schools
- Police & Fire
- Areas
- Healthcare
- Flood
- History
- Beyond the Mortgage
- FAQs
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We do not arrange mortgages ourselves, we introduce you to carefully selected, FCA-regulated mortgage advisers.
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.
Mortgage Adviser & Broker in St Margarets
Whether you're buying your first home in St Margarets, remortgaging, upsizing or simply researching this leafy, affluent, arty corner of south-west London, a riverside district on the west bank of the Thames between Twickenham and Richmond in the London Borough of Richmond upon Thames, with a village-y parade of independent shops, the historic St Margarets Estate, Marble Hill and Orleans House Gallery, Twickenham Film Studios and South Western Railway trains into Waterloo, this guide covers what buyers and homeowners actually want to know.
Quick answers about St Margarets
Click any question to expand the full detail and sources.
Is St Margarets a good place to live?⌄
Yes, a leafy, affluent, arty riverside district between Twickenham and Richmond.
Is St Margarets expensive?⌄
It is a sought-after riverside Richmond district; averages often £700,000–£1m.
Does St Margarets have a train station?⌄
Yes, St Margarets (South Western Railway) into Waterloo; Richmond District line close.
What is St Margarets known for?⌄
Its village parade, the St Margarets Estate, Marble Hill & the arts.
Where is the nearest A&E to St Margarets?⌄
West Middlesex (Isleworth) or Kingston Hospital.
Is St Margarets right for you?
Every town suits some buyers better than others. Here is how St Margarets rates for the people who most often buy here, and why.
| Buyer type | Rating | Why |
|---|---|---|
| Families | ★★★★★ | Good and Outstanding local schools (St Stephen’s CE and Orleans Primary are Good; Orleans Park is an Outstanding secondary; St Mary’s CofE Twickenham is Outstanding), Marble Hill and the riverside, and a village-y parade, a strong family district. |
| Professionals | ★★★★★ | South Western Railway into Waterloo, Richmond’s District line close by, a village parade and the arts scene around Twickenham Film Studios suit professionals and those in the media wanting a characterful riverside home within reach of town. |
| Upsizers | ★★★★★ | Large Victorian and Edwardian villas, the St Margarets Estate and riverside houses give real family space and character, at a premium, but with the river, the arts, good schools and a fast commute. |
| Downsizers | ★★★★☆ | Purpose-built and converted flats near the station and the parade, and smaller period homes, suit downsizers wanting the river, the shops and the arts on the doorstep with less to maintain. |
| First-time buyers | ★★★☆☆ | Purpose-built and converted flats (often around £400,000–£600,000) offer a way into a leafy, arty Richmond riverside district, but house prices are firmly at premium south-west London levels. |
An honest, at-a-glance summary of what St Margarets does brilliantly, and what to weigh carefully, before you commit.
St Margarets at a glance
The key facts buyers ask us about most, in one place.
| Fact | Detail |
|---|---|
| County & councils | London (London Borough of Richmond upon Thames, unparished) |
| Postcode district | TW1 |
| Approx. character | A leafy, affluent, arty riverside district between Twickenham and Richmond |
| Average house price | Overall often £700,000–£1,000,000; flats from ~£400,000, large villas & riverside houses £1,500,000–£3,000,000+; sources vary |
| Railway | St Margarets (South Western Railway), into London Waterloo via Richmond & Twickenham; Richmond District line close |
| Nearest A&E | West Middlesex (Isleworth) or Kingston Hospital, a drive, verify with NHS |
| Schools | Strong schools in Richmond; St Stephen’s CE & Orleans Primary (Good), Orleans Park (Outstanding secondary), St Mary’s CofE Twickenham (Outstanding) |
| Known for | The St Margarets parade & Estate, Marble Hill, Orleans House Gallery, Twickenham Film Studios, the Thames riverside |
| Character | A leafy riverside district of Victorian & Edwardian villas, the St Margarets Estate, riverside houses & newer flats in the London Borough of Richmond upon Thames |
| Roads | The A305 (riverside) & the A316 (Chertsey Road) for the M3 & central London |
| Green space | Marble Hill Park, the Thames riverside, York House Gardens & Moormead Park nearby |
| Council tax (Band D) | £2,486.10 for 2026/27 (Richmond + GLA), confirm your exact band |
Property prices & council tax in St Margarets
St Margarets is one of Richmond upon Thames’ leafiest, most desirable riverside districts, so prices are firmly at south-west London levels. It offers purpose-built and converted flats, Victorian and Edwardian villas (including the historic St Margarets Estate), and large premium homes along and near the Thames. Published figures vary by property and area, so treat the ranges below as a broad guide and verify for the exact home.
| Property type / area | Typical position in the market | Who it suits |
|---|---|---|
| Purpose-built & converted flats | Indicatively around £400,000–£600,000 | First-time buyers; downsizers; the more accessible ways in |
| Victorian & Edwardian terraces & villas | Indicatively around £750,000–£1,200,000 | Families & professionals wanting period character |
| The St Margarets Estate & larger villas | Indicatively around £1,100,000–£2,000,000 | Families & upsizers wanting space in the historic estate |
| Large & riverside houses | Indicatively around £1,500,000–£3,000,000+ | Buyers wanting the premium end, especially by the Thames |
| St Margarets average | Overall often £700,000–£1,000,000 (verify per property) | A broad benchmark for the area |
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.
£500,000
Flat
~£111,000
household income (guide)
£900,000
Area benchmark
~£200,000
household income (guide)
£1,800,000
Larger villa / riverside house (indicative)
~£400,000
household income (guide)
St Margarets affordability & stamp duty calculator
A quick, no-obligation way to see roughly what you could borrow in St Margarets 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 |
| £120,000 | ~£540,000 |
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% | — |
| 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 October 2026 (England & Northern Ireland). Scotland (LBTT) and Wales (LTT) differ. Figures are a guide, confirm with your conveyancer.
The St Margarets property market in depth
St Margarets offers a sought-after, in-demand riverside market, purpose-built and converted flats, Victorian and Edwardian villas, the historic St Margarets Estate and large riverside houses, with its river, its village parade, its arts scene, its schools and its Waterloo trains all driving demand.
| Property type | What to expect | Typical guide |
|---|---|---|
| Purpose-built & converted flats | The more accessible way in; popular with first-time buyers, downsizers and investors, especially near the station and the parade. | £400,000–£600,000 |
| Victorian & Edwardian villas | Period family homes with character, a signature part of the district. | £750,000–£1,200,000 |
| The St Margarets Estate | The historic Victorian planned estate, handsome larger villas, one of the most sought-after enclaves. | £1,100,000–£2,000,000 |
| Large & riverside houses | Handsome larger homes, especially by the Thames, the top of the family market. | £1,500,000–£3,000,000+ |
St Margarets’ appeal, a leafy, affluent, arty riverside corner of south-west London, with a village-y parade of independent shops, the Thames riverside, Marble Hill and Orleans House Gallery, Twickenham Film Studios, well-regarded schools, and South Western Railway trains into Waterloo, makes it an in-demand market, from purpose-built and converted flats to Victorian and Edwardian villas, the St Margarets Estate and large riverside houses.
That mix means budgeting and the right mortgage matter. Purpose-built, converted and new-build flats bring lease, ground-rent and service-charge questions that lenders assess carefully, while period, riverside and larger detached properties can need survey work and careful flood checks, so advice pays off. A mortgage adviser helps you match the right lender to your plans, the kind of introduction we can arrange.
What makes St Margarets so popular?
St Margarets’ appeal is a leafy, affluent, arty riverside corner of south-west London, with a village parade, the Thames, Marble Hill and the arts, with South Western Railway trains into Waterloo.
Marble Hill
Marble Hill, the English Heritage Palladian villa and its riverside park, sits just along the Thames, a beautiful 18th-century house and open parkland, a defining landmark of the St Margarets and Twickenham riverside.
The St Margarets parade & Estate
The village-y St Margarets parade of independent shops, delis, cafes and restaurants, and the historic Victorian St Margarets Estate, one of London’s early planned suburban estates, give the district its genuine village feel and handsome character.
The arts & Twickenham Film Studios
Twickenham Film Studios in the heart of St Margarets, plus Orleans House Gallery and York House Gardens nearby, give St Margarets a genuinely arty, cultured character rare in the suburbs.
Transport & commuting from St Margarets
Transport in St Margarets is solid for a leafy riverside district, South Western Railway trains into Waterloo, Richmond’s District line close by, and good road links. These indicative times are a starting point, always verify current timetables before relying on a specific journey.
| Route | Approx. time | Notes |
|---|---|---|
| St Margarets → London Waterloo | ~30–40 min | On South Western Railway (via Richmond or Twickenham) |
| St Margarets → Richmond | ~3 min | One stop, for the District line & Overground |
| St Margarets → Twickenham | ~2 min | One stop, for the town centre & the rugby |
| St Margarets → Clapham Junction | ~20–25 min | On South Western Railway, for connections |
| St Margarets → the M3 (J1) / A316 | ~10–15 min | Via the A316 (Chertsey Road), for the motorway network |
| St Margarets → central London by road | ~40–60 min | Via the A316, traffic dependent |
| St Margarets → Heathrow | ~20–30 min | By road, for the airport |
| St Margarets → Kingston | ~15–20 min | By road/bus, for the shops |
Getting around St Margarets
Day-to-day mobility here is worth thinking through, the practical picture.
By train
St Margarets railway station is on South Western Railway, with trains into London Waterloo via Richmond and Twickenham, a fast and frequent route into town.
By Underground
St Margarets is not on the London Underground itself, but Richmond station, one stop away, is on the District line and London Overground, giving a Tube link close by.
By car
The A305 along the river and the A316 (Chertsey Road) give access to the M3 and central London, though the A316 can be busy, and parking varies by street.
For the airport
Heathrow is about twenty to thirty minutes by road, genuinely handy for flights, with the M3 and M25 close by.
On foot & by bike
Marble Hill Park, the Thames towpath and the village parade give walkable amenities and green space, with riverside and park cycle routes across the area.
For the commute
St Margarets suits Waterloo and Richmond commuters by train and Tube, plus drivers using the A316 and M3, a well-connected but genuinely green and arty riverside district.
Schools in St Margarets
Richmond upon Thames is one of London’s strongest boroughs for schools, and St Margarets and its immediate surroundings have Good and Outstanding primaries and an Outstanding secondary. Because catchments and admissions matter, and Richmond is competitive for school places, confirm the current position directly for a specific address.
| School | Type | Inspection | Notes |
|---|---|---|---|
| St Stephen’s CE Primary School | Primary (state, co-ed) | Good | A well-regarded Church of England primary on Winchester Road, St Margarets, rated Good at its latest inspection (February 2024), check the current catchment and admissions. |
| Orleans Primary School | Primary (state, co-ed) | Good | A popular community primary on Hartington Road, St Margarets, rated Good at its latest inspection (June 2024), with Outstanding features noted, check catchment and admissions. |
| Orleans Park School | Secondary (state academy, co-ed, 11–18) | Outstanding | A highly regarded secondary academy on Richmond Road, St Margarets/Twickenham, rated Outstanding at its latest inspection (November 2023), check catchment and admissions. |
| St Mary’s CofE Primary School | Primary (state, co-ed) | Outstanding | A Church of England primary on Amyand Park Road, Twickenham, near St Margarets, rated Outstanding at its latest inspection (November 2023), check catchment and admissions. |
Map, Police & Fire Services in St Margarets
A useful local guide should show the practical services buyers actually check, policing, fire cover, emergency healthcare and the local crime context for St Margarets.
Popular parts of St Margarets & nearby
Where you buy in St Margarets shapes both your budget and your character, from the village parade and the St Margarets Estate to the riverside and the roads towards Twickenham and Richmond. A quick orientation.
Local highlights & days out from St Margarets
St Margarets packs a Palladian villa and park, a village parade, a historic Victorian estate and a genuine arts scene into one leafy riverside district. A few of the best-loved local highlights.
Sports, leisure & community in St Margarets
For a suburb, St Margarets offers a huge amount, a Palladian villa and park, the Thames, a village parade and a genuine arts scene.
Days out & the outdoors
Marble Hill Park, the Thames towpath, Orleans House Gallery and York House Gardens give walking, cycling, art and family days out, with central London a South Western Railway ride away.
The parks & green space
Marble Hill Park, the Thames riverside, Moormead Park and York House Gardens give walking, running, playgrounds and open space close by.
Shopping & eating out
The St Margarets parade gives an unusually good range of independent shops, delis, cafes, restaurants and pubs, with Richmond and Twickenham close by for bigger shopping.
Healthcare & local services in St Margarets
Healthcare access is reasonable for the area, GP provision locally, Teddington Memorial for urgent treatment, and major A&E departments a drive away at West Middlesex and Kingston.
The area has GP provision locally, with dentists and pharmacies on and around the St Margarets parade; the nearest major A&E departments are at West Middlesex (Isleworth) and Kingston, with Teddington Memorial Hospital nearby for urgent treatment. GP and dental registration availability changes over time, so always check directly with a practice about its current catchment before relying on it for a move.
Living in St Margarets
Day to day, St Margarets is a leafy, affluent, arty riverside corner of south-west London, a village parade, the Thames, Marble Hill, the arts and good schools, with South Western Railway trains into Waterloo and Richmond’s District line close by. Here is a sense of everyday life.
St Margarets has the amenities of a thriving village with the river and the arts on its doorstep, an unusually good parade of independent shops, delis, cafes, restaurants and pubs, well-regarded schools, Marble Hill Park, the Thames riverside, Orleans House Gallery, York House Gardens and Twickenham Film Studios. The big everyday pluses are the river, the village parade, the arts, the schools and the sense of a settled, affluent community, with the railway and Richmond’s Tube for a fast commute.
Connectivity for working is generally good, superfast (and in places gigabit) broadband reaches much of the area, so home and hybrid working is very possible, complemented by South Western Railway and Richmond’s District line for office days. The main trade-offs are the premium prices (especially by the river), that St Margarets is not on the Underground itself, the busy A316, and (on flats and new-build schemes) lease and service-charge questions, plus river and surface-water flood risk near the Thames, but for the river, the arts, schools and a riverside life within reach of town it is a strong choice.
| Everyday amenity | In St Margarets? | Nearest / notes |
|---|---|---|
| Primary schools | Yes (well-regarded) | St Stephen’s CE & Orleans Primary (Good), St Mary’s CofE Twickenham (Outstanding); check catchment |
| Secondary schools | Yes (Outstanding) | Orleans Park School (Outstanding); check catchment |
| GP & hospital | Local / A&E a drive | GP provision locally; Teddington Memorial for urgent treatment; major A&E at West Middlesex & Kingston |
| Nearest A&E | A drive (Isleworth / Kingston) | West Middlesex University Hospital & Kingston Hospital |
| Railway station | Yes (Tube close) | St Margarets (South Western Railway) into Waterloo; Richmond District line one stop away |
| Shops | Yes (village parade) | The St Margarets parade independents; Richmond & Twickenham close by |
| Green space | Yes (extensive) | Marble Hill Park, the Thames riverside, York House Gardens & Moormead Park |
Working & connectivity in St Margarets
Superfast broadband reaches much of St Margarets, with gigabit-capable full-fibre available in parts of the area (and in most new-build schemes), so home and hybrid working is very possible, complemented by South Western Railway and Richmond’s District line for office days. Coverage can still vary by exact address, particularly in older period and riverside houses, so check the specific property on the providers' and Ofcom's coverage checkers before you commit.
| Connectivity | Typical picture |
|---|---|
| Fixed broadband | Superfast reaches much of the area; gigabit full-fibre in parts and most new-builds, check the exact address |
| Mobile coverage | Generally good across the district, occasionally patchier near the river |
| Train for office days | St Margarets (South Western Railway) into Waterloo; Richmond District line one stop away |
| Road & air | A305, A316 & M3 to the wider network; Heathrow a short drive |
Check broadband before you make an offer in St Margarets
Broadband speeds can vary street by street in St Margarets, 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)Flood risk in St Margarets
On flooding, St Margarets sits on the west bank of the Thames, so while much of the higher ground is at lower risk, riverside and low-lying streets near the Thames carry real river and surface-water flood risk, so it is worth checking carefully for a specific home.
Cost of living & running a home in St Margarets
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) | £2,486.10 | Richmond + GLA precept, confirm your band |
| Buildings insurance | Varies, check flood risk | River and surface-water flood risk near the Thames can affect premiums; get a quote and flood check before committing |
| Water & wastewater | ~£450–£750/yr | Thames Water area, check the supplier for the address |
| Broadband | ~£30–£50/mth |
Financing a home in St Margarets
A leafy, arty riverside south-west London district is a rewarding thing to buy into, a few points on the mortgage side are worth understanding first.
St Margarets’ premium prices and strong demand mean the right mortgage matters, from purpose-built and converted flats to period villas, the St Margarets Estate and large riverside houses. Flats, new-builds and shared-ownership deals bring lease, ground-rent and service-charge questions, and period, riverside or larger detached properties are cases lenders and insurers assess carefully, so a survey is wise on an older or riverside home and a lease review is essential on a flat. Getting the right lender for your circumstances is where good advice pays off.
That's Family Finance introduces you to carefully selected, FCA-regulated mortgage advisers who search across lenders to fit your circumstances, and we make sure your protection is set up properly alongside it. Read our full guide to mortgage protection insurance. Talk to us →
Conveyancing & the searches to expect in St Margarets
A few standard checks are worth their weight when buying in St Margarets, especially the lease on a flat, conservation-area rules on the Estate, and river and surface-water flood risk near the Thames.
History, heritage & famous connections
St Margarets grew up on the west bank of the Thames between the old riverside settlements of Twickenham and Richmond, in the county of Middlesex, long a place of grand riverside houses and open land. Its name comes from a house and estate on the river, and the district took shape as a distinct suburb in the 19th century when the Kilmorey and other estates were laid out for development, the St Margarets Estate becoming one of London’s early planned Victorian suburbs.
The arrival of the railway brought Victorian and Edwardian villas and a village parade of shops, while the riverside kept its grand houses and its links to the arts, Marble Hill, the Palladian villa built for Henrietta Howard, and Orleans House survived along the river, and in the 20th century the film studios made St Margarets a place of the screen. St Margarets was absorbed into the London Borough of Richmond upon Thames in 1965, and remains one of the leafiest, most arty and sought-after riverside corners of south-west London.
St Margarets through the ages
A quick timeline of the moments that shaped the town you would be buying into.
| Year | Milestone |
|---|---|
| Early history | St Margarets grows up on the west bank of the Thames between Twickenham and Richmond, a place of grand riverside houses and open land in Middlesex. |
| 18th c. | Marble Hill, the Palladian villa, is built for Henrietta Howard on the riverside, and Orleans House stands nearby, the arts along the river. |
| 19th c. | The Kilmorey and other estates are laid out; the St Margarets Estate becomes one of London’s early planned Victorian suburbs, and the railway brings villas and a village parade. |
| 20th c. | Twickenham Film Studios make St Margarets a place of the screen, while the riverside keeps its grand houses and arts. |
| 1965 | St Margarets is absorbed into the new London Borough of Richmond upon Thames. |
| 21st c. | St Margarets remains a leafy, arty and sought-after riverside district, with the parade, the Estate, Marble Hill and the river at its heart. |
Famous connections
A few of the people and stories that put St Margarets on the map.
Marble Hill
Marble Hill, the English Heritage Palladian villa and riverside park built for Henrietta Howard, a beautiful 18th-century house and open parkland, the defining riverside landmark.
Twickenham Film Studios
Twickenham Film Studios in the heart of St Margarets, a historic film and sound studio with a long place in British cinema, giving the district a genuine link to the screen.
The St Margarets Estate
The historic Victorian St Margarets Estate, one of London’s early planned suburban estates, with handsome villas on leafy roads, a distinctive piece of the district’s heritage.
Looking beyond the mortgage
Buying a home in St Margarets is a major commitment, and the mortgage is only part of the picture. Whatever you buy, the right protection can help keep the home 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.
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 St Margarets
Beyond the brochure, a few honest points worth weighing before you commit to buying here.
St Margarets compared with nearby towns
How St Margarets sits against the places buyers most often weigh against it, a quick, indicative comparison.
| Town | Rough average price | Station? | Character |
|---|---|---|---|
| St Margarets | ~£700k–£1m | Yes (South Western Railway) | Leafy, arty Richmond riverside district; the parade; Marble Hill |
| Twickenham | ~£600k–£900k | Yes (South Western Railway) | The riverside town to the south, home of the rugby |
| Richmond | ~£700k–£1.2m | Yes (District line & rail) | The smart riverside town to the south, with the park and the river |
| Isleworth | ~£500k–£750k | Yes (South Western Railway) | The more affordable riverside neighbour to the north, with Syon Park |
| Whitton | ~£500k–£700k | Yes (South Western Railway) | The more affordable neighbour to the west, with its own High Street |
Pros & cons of living in St Margarets
An honest, balanced summary to weigh up.
| In its favour | To weigh carefully |
|---|---|
| A leafy, arty Richmond riverside district | A premium district at south-west London prices |
| A village parade of independent shops | Not on the Underground itself |
| Marble Hill & the Thames on the doorstep | Journeys into town take a little longer than a Tube suburb |
| An Outstanding secondary & good primaries | Busy A316 (Chertsey Road) nearby |
| Twickenham Film Studios & the arts | Flats/new-builds need lease checks |
| The historic St Margarets Estate | River & surface-water flood risk near the Thames |
| Richmond’s District line one stop away | Estate conservation rules limit alterations |
| A settled, affluent community | A&E is a drive away, not on the doorstep |
Villages & areas around St Margarets
Many buyers who love St Margarets look just outside it too, a quick guide.
Who tends to move to St Margarets?
Understanding your fellow buyers helps you read the market and pitch an offer.
Families
People wanting good schools, the river and the arts, St Stephen’s CE and Orleans Primary (Good), the Outstanding Orleans Park and St Mary’s CofE Twickenham (Outstanding), Marble Hill and the riverside, with a fast commute.
Professionals & media
People wanting a characterful riverside home near the arts, South Western Railway into Waterloo, Richmond’s District line close by, the village parade and Twickenham Film Studios, if not the Underground on the doorstep.
Upsizers
People wanting a larger house and character, handsome Victorian and Edwardian villas, the St Margarets Estate and riverside houses, with the river, the arts, good schools and a fast commute, at a premium.
What your money buys in St Margarets
A rough sense of what different budgets tend to secure, indicative only, and hugely dependent on position and condition.
Your move to St Margarets, step by step
A simple order of play that keeps things on track.
1. Get your budget straight
Work out your deposit and the true monthly cost (mortgage, council tax, insurance, which flood risk can affect, and SDLT), and get a mortgage in principle so you can move quickly in an in-demand district.
2. Do your homework on the property
Check river and surface-water flood risk (especially for riverside and low-lying homes near the Thames), get a full building survey (wise on period, riverside and larger homes), review the lease on a flat or new-build, check any Estate conservation rules, check the school catchment, and confirm your commute, before you fall in love.
3. Line up the right people
A 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 St Margarets?
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 an FCA-regulated mortgage adviser, and review your life cover, critical illness cover and income protection alongside it.
Review my options →In summary: buying in St Margarets
If you are weighing up a move to the town, here is the honest bottom line.
Quick tips before you buy in St Margarets
- Enjoy the district, the village parade, the Thames riverside, Marble Hill and Orleans House Gallery on the doorstep.
- Make the most of the transport, St Margarets railway station (South Western Railway) runs into Waterloo via Richmond and Twickenham, with Richmond’s District line one stop away.
- Note the setting, a leafy, arty riverside district near the A305 and A316 (Chertsey Road), with the Underground close but not on the doorstep.
- Check river and surface-water flood risk for riverside and low-lying homes near the Thames, and confirm insurance.
- Confirm the council tax and band, St Margarets (Richmond) Band D is £2,486.10 for 2026/27.
- Budget realistically, prices are firmly at premium south-west London levels, and flats need lease checks; use an adviser.
- Verify the nearest current A&E (West Middlesex, Isleworth, or Kingston Hospital) with the NHS.
- Get a full building survey on a Victorian, Edwardian or riverside home, and on a flat review the lease, ground rent, service charge and any shared-ownership terms.
- For schools, check catchment for St Stephen’s CE, Orleans Primary and St Mary’s CofE (primary) and Orleans Park (secondary).
- Explore the parade, Marble Hill and the riverside to get a feel for the area.
- On the St Margarets Estate, check what alterations and extensions are permitted before you commit.
- Get a mortgage agreement in principle before you start viewing in earnest.
- Review your protection at the same time as your mortgage, important for family buyers.
- Take your conveyancer’s advice on the lease, flood, conservation, boundary and standard searches.
Nearby areas worth considering
If you are weighing St Margarets against the surrounding area, these are the places buyers most often compare.
Twickenham
The riverside town to the south, on South Western Railway, home of the rugby, with its own riverside and shops.
Richmond
The smart riverside town to the south, on the District line and rail, with Richmond Park and the river.
Isleworth
The more affordable riverside neighbour to the north, on South Western Railway, with Syon Park and the Thames.
Whitton
The more affordable neighbour to the west, on South Western Railway, with its own High Street and community feel.
Teddington
The popular riverside town to the south-west, on South Western Railway, with a thriving High Street and the weir.
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 about family protection →Speak to Us
Researching St Margarets or a nearby area? We are always happy to point people in the right direction.
Ask us where to start →Is this the right route for you?
This is likely a good fit if…
- You are buying, moving or remortgaging in St Margarets and want help comparing lenders rather than relying on one bank’s own range.
- You are employed or self-employed with reasonably clean credit and a deposit of around 5% or more.
- You want the mortgage and the protection that goes with it sorted together, rather than as two separate jobs.
- You would rather someone else dealt with the lender, the paperwork and the chasing.
We do not advise on the mortgage ourselves. The mortgage advice comes from a separately regulated firm we introduce you to.
Not sure it fits? Ask us anyway.
Frequently asked questions
Is St Margarets a good place to live?
Is St Margarets expensive?
Does St Margarets have a train station?
What is St Margarets known for?
Where is the nearest A&E to St Margarets?
Does St Margarets have good schools?
What salary do you need to buy in St Margarets?
How much is stamp duty on a St Margarets property?
How much is council tax in St Margarets?
Which police and fire services cover St Margarets?
Is St Margarets a safe place to live?
What is there to do in St Margarets?
What is broadband like in St Margarets?
Is St Margarets good for families?
Is St Margarets good for commuters?
What searches should I expect when buying in St Margarets?
Is flooding a problem in St Margarets?
How do I get started with a mortgage for St Margarets?
Can existing homeowners in St Margarets benefit from a mortgage review?
Useful resources
Need help?
Whether you're researching St Margarets, planning a move, reviewing your finances or simply exploring your options, we're always happy to point people in the right direction.
By submitting your details you agree that your contact information will be passed to a carefully selected, FCA-regulated mortgage adviser.
Also for homeowners in St Margarets: Equity release in St Margarets: releasing tax-free cash from your home in later life.
Other money guides for St Margarets
Buying is one piece of it. These cover the rest of the picture in St Margarets.
Protecting the mortgage is the part we advise on ourselves. Read how mortgage protection insurance works, including which type of cover suits which situation.
Short reads that work through the local numbers. No sales pitch.
Prices, council tax and schools for each one.
- Mortgage advice in Richmond upon Thames under a mile away