Home Buying Total Cost Calculator
Calculate every cost of buying a home — deposit, stamp duty, solicitor, survey, searches, and monthly mortgage.
Last updated: April 2026 · Source: GOV.UK — Buy or sell your home
Total Cash Needed
£46,849.00
Monthly Mortgage
£1,750.87
| Deposit | £35,000.00 |
| Stamp Duty | £7,500.00 |
| Solicitor | £1,500.00 |
| Survey | £600.00 |
| Searches | £300.00 |
| Land Registry | £150.00 |
| Mortgage Fee | £999.00 |
| Removals | £800.00 |
| Total | £46,849.00 |
Disclaimer
This calculator is provided for informational purposes only and should not be considered as financial or tax advice. All calculations are performed locally in your browser — no personal data is collected or sent to our servers. Rates and thresholds are sourced from HMRC and GOV.UK and are updated for the current tax year. Always verify results with HMRC or consult a qualified professional before making financial decisions.
How It Works
The true cost of buying a home extends well beyond the deposit and purchase price. Buyers need to budget for stamp duty (or LBTT/LTT), solicitor or conveyancer fees (£1,000-£2,000), property survey (£400-£1,500 depending on type), mortgage arrangement fee (£0-£2,000), valuation fee, search fees (£250-£400) and land registry fee (£100-£500).
Moving costs include removal company (£500-£1,500), redirected mail (£50-£100), and potentially storage fees. Ongoing costs to budget for include buildings and contents insurance, council tax, utility setup fees and any immediate repairs or redecoration needed before moving in.
This calculator totals all purchase, mortgage, legal and moving costs to show the full amount you need to have available beyond your deposit. Enter the property price, deposit, mortgage details and select which optional costs apply to get a comprehensive total.
Example: £325,000 property, first-time buyer
- Deposit (10%): £32,500
- Stamp duty (first-time buyer): £1,250
- Solicitor fees: £1,500
- Survey (HomeBuyer): £600
- Mortgage fee: £999
- Searches, Land Registry, removals: £1,200
- Total cash needed: £38,049
Source: GOV.UK — Buy or sell your home
Frequently Asked Questions
- What does the Home Buying Total Cost Calculator do?
- Calculate every cost of buying a home — deposit, stamp duty, solicitor, survey, searches, and monthly mortgage. All calculations are performed in your browser using official UK rates and thresholds.
- Is this based on current interest rates?
- You can enter any interest rate to model different scenarios. Check the Bank of England base rate and current mortgage deals from lenders for the latest rates.
- Should I get professional advice?
- This calculator provides estimates for guidance only. For a formal mortgage offer, speak to a mortgage broker or lender who can assess your full circumstances and provide personalised advice.