Mortgage brokerin Surrey

At £560,000, first time buyers cannot use FTB SDLT relief (capped at £500,000), so standard rates apply: 0% on £125k, 2% on £125,001–£250,000 (£2,500), and 5% on £250,001–£560,000 (£15,500) — total £18,000. Buyers targeting towns like Farnham, Dorking, or Godalming can sometimes find suitable properties under £500,000 where FTB relief applies, reducing stamp duty to £10,000 or less.

South Western Railway from Guildford reaches London Waterloo in approximately 35 minutes on a fast service, and Woking takes just 28 minutes. Epsom reaches Waterloo in around 35 minutes via Thameslink. These journey times — combined with much larger properties and garden space than equivalent London budgets allow — are the core reason Surrey commands a premium over other Home Counties.

Surrey has some of the best-performing state schools in England, including outstanding secondary schools in Guildford, Reigate, and Epsom, as well as selective grammar schools in some areas. School catchment premiums can add £50,000–£150,000 to a property price, and families regularly time their purchase around school applications. We help buyers understand the total cost of a catchment purchase and find lenders who will accommodate higher borrowing to make it achievable.