House Buying Cost Calculator
See the total cash you'll need on completion day — deposit, Stamp Duty and every typical fee (legal, survey, mortgage arrangement, searches, Land Registry and removals) added up in one place.
Estimate only. These are indicative estimates, not quotes — always get quotes from tradespeople and professionals (solicitor, surveyor, broker, removal firm) before relying on these figures. Stamp Duty figures use the 2026/27 rates; always verify with gov.uk, Revenue Scotland or the WRA.
Enter a property price
Your deposit, Stamp Duty and total upfront cash needed appear here as you type.
What's included in the cost of buying a home
Buying a home costs more than just the deposit. On top of the price, you'll typically pay Stamp Duty (or LBTT in Scotland, LTT in Wales), legal/conveyancing fees, a survey, a mortgage arrangement fee, a lender's valuation, local authority and water searches, a Land Registry registration fee, and removals. This calculator adds all of these to your deposit to estimate the total cash you need to have ready on completion day — separate from the mortgage itself, which is borrowed rather than paid upfront. Every figure here is an indicative estimate, not a quote — always get actual quotes from your solicitor, surveyor and removal company before you budget your move.