Total Cost of Buying a House Calculator UK 2026
Instantly work out the true total cost of buying a house in the UK. A free tool combining your deposit, stamp duty, legal fees, survey, mortgage fees and removals into one clear upfront cost.
House Buying Cost Projection
Enter your purchase details to estimate the total cost of buying
The agreed purchase price of the property.
The cash deposit you plan to put towards the purchase.
Buyer type affects the Stamp Duty Land Tax rate applied.
The product or arrangement fee charged by your mortgage lender.
Solicitor or conveyancer fees, including typical disbursements.
The cost of a valuation, HomeBuyer Report or full structural survey.
Estimated cost of moving your belongings to the new property.
Land Registry fees, local searches and any other miscellaneous costs.
Your Total Buying Cost Estimate
Deposit, stamp duty, fees and total upfront cost breakdown
Enter your purchase details above and click Calculate Total Cost to reveal the true cost of buying your home.
Typical House Buying Costs
Quickly reference typical ranges for the main upfront costs UK buyers face on top of their deposit.
| Cost Item | Typical Range | Notes |
|---|---|---|
| Stamp Duty Land Tax | £0 – tens of thousands | Depends on price, buyer type and region |
| Conveyancing / Legal Fees | £800 – £2,000 | Includes typical disbursements |
| Survey | £300 – £1,500+ | Varies by survey type and property size |
| Mortgage Arrangement Fee | £0 – £2,000 | Not all mortgage products charge one |
| Removals | £300 – £1,500+ | Depends on distance and household size |
Buying a House FAQ
Everything you need to know about the real costs involved in buying a home in the UK, beyond just the deposit.
Beyond the deposit, buyers typically pay Stamp Duty Land Tax, conveyancing or legal fees, a survey or valuation, a mortgage arrangement fee, removal costs, and smaller items like Land Registry fees and local searches. Together these can add several thousand pounds on top of the deposit itself.
First-time buyers in England and Northern Ireland pay no Stamp Duty Land Tax on the first £300,000 of a property’s price, with 5% charged on the portion between £300,001 and £500,000. Properties priced above £500,000 do not qualify for first-time buyer relief and are taxed at standard rates instead.
Conveyancing fees for a typical residential purchase in the UK usually range from around £800 to £2,000, depending on the solicitor, the property’s complexity and the region. This is usually separate from disbursements such as Land Registry fees and local authority searches.
Your mortgage lender will usually carry out a basic valuation to confirm the property is worth what you’re paying, but this does not check the property’s condition in detail. Many buyers choose to pay separately for a more thorough survey, such as a HomeBuyer Report or full structural survey, to uncover potential issues before completing.
A mortgage arrangement fee, sometimes called a product fee, is charged by some lenders for setting up a mortgage deal. It can typically be paid upfront or added to the loan, though adding it to the mortgage means paying interest on it over the term.
Removal costs vary depending on the size of your home, the distance being moved and whether you hire a full-service removal company or a van. Many households budget a few hundred pounds for a smaller local move, rising to over a thousand pounds for a larger household or longer distance.