UK Home Buying Costs Hub

Every line in a UK property purchase, mapped to a calculator or guide. Start with the planner that composes them all; drill in with the specialist tools below.

Compose the whole stack

Home Buying Budget Planner — one set of inputs, every upfront and monthly cost combined. Statutory tax clearly separated from estimates.

How the costs of buying fit together

The costs of a purchase fall into three groups, and it helps to keep them separate:

Statutory tax. Stamp duty is set by law, so it can be calculated exactly. In England and Northern Ireland a home mover pays nothing on the first £125,000. First-time buyers pay nothing on the first £300,000 of a purchase up to £500,000. Buyers of additional homes pay 5 percentage points more in every band. Scotland (LBTT) and Wales (LTT) have their own taxes.
Estimates. Conveyancing, surveys, searches and removals vary by firm, property and region. The calculators give typical ranges, so get quotes before you rely on them.
Ongoing costs. The mortgage payment, council tax, insurance and, for leasehold homes, service charge and ground rent. These decide whether the home stays affordable after you move in.

The budget planner combines all three from one set of inputs. Use the tools below when you want to check a single line in more detail.

Upfront one-off costs

Stamp Duty (SDLT) — statutory tax, HMRC rates from 1 April 2025
Deposit — the biggest line, typically 5-25% of price
Conveyancing fees — solicitor + legal admin
Survey costs — RICS Level 1, 2 or 3
Moving & removals — man-and-van to full packed service
Estate agent fees — if you are also selling
Full upfront cost calculator — composed total
Hidden costs of buying a house
First-time buyer hidden costs
Property searches explained

UK Home Buying Costs Hub

Compose the whole stack

How the costs of buying fit together

Upfront one-off costs

Mortgage & borrowing costs

Ongoing ownership costs

Buy vs rent / affordability

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