UK home-buying costs calculator
Plan the upfront cash needed to buy a UK home. Add your deposit, property purchase tax, conveyancing, survey, mortgage fees, moving costs and contingency.
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When to use this calculator
Use this home-buying budget to bring together your deposit and one-off purchase costs. Replace illustrative fees with quotes, avoid double counting solicitor disbursements, and budget ongoing household costs separately.
How to calculate UK home-buying costs
Fee values are editable examples, not quotes or fixed UK charges. Enter amounts including VAT and avoid counting searches or registration twice if your solicitor quote already includes them. Mortgage fee is assumed paid upfront, not added to the loan. Purchase tax follows the location and buyer-status assumptions of the property tax tool. Ongoing mortgage payments, council tax, service charges, insurance, selling costs and renovation work are excluded.
Official rates & guidance
- HMRC SDLT rates ↗
- Revenue Scotland LBTT rates ↗
- Scottish first-time buyer relief ↗
- Additional Dwelling Supplement ↗
- Welsh LTT rates ↗
A worked example
With purchase price (£) of 300,000, deposit (£) of 30,000, solicitor / conveyancer fee including vat (£) of 1,500, searches and disbursements (£) of 350, land registration fee (£) of 150, survey / valuation (£) of 600, mortgage fee paid upfront (£) of 999, broker fee (£) of 0, removals (£) of 500, other upfront costs (£) of 300, extra contingency reserve (£) of 1,000, cash needed upfront is 35,399 GBP. Change the example above to match your situation.
Enter amounts in the same currency and time period. Results display up to two decimal places; calculations use unrounded values. These estimates are for planning and education.
Common questions
Is the deposit an extra cost on top of the property price?
The deposit forms part of the purchase price. The upfront-cash figure adds it to taxes, fees and your cash reserve; it does not add it again to the total property purchase cost.
How do I use my solicitor’s quote?
Enter the legal fee including VAT. Split out searches and registration only when they are not already included. Replace all example fees with your own quotes.