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.