Cost of Buying a House Calculator: Every Cost, Itemised

HouseCheckup's buying costs calculator gives you a full breakdown of every cost involved in purchasing a UK property. The average buyer spends £8,000–£12,000 on top of the purchase price according to the HomeOwners Alliance, yet many first-time buyers budget only for the deposit. Enter your property price to see stamp duty, conveyancing, survey, mortgage arrangement, and other fees, so there are no surprises on completion day.

I am buying:

Ungated, no signup. Stamp duty covers England & Northern Ireland. Scotland uses LBTT, Wales uses LTT. Rates verified 2026-06-10 against gov.uk (HMRC).

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  • Named

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From this free check to the full report

The free tool answers one question. The report covers the whole address.

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    Use the free tool

    Run the tool above. The answer shows on this page, with nothing to sign up for.

  2. Before you pay

    Pick the house and the report

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    The report for that address is emailed to you, with every source named and any check it could not run stated.

Frequently asked questions

What are the main costs of buying a house in the UK?
The main costs beyond the purchase price are: stamp duty (SDLT), conveyancing/solicitor fees (£1,000–£2,000), property survey (£400–£1,500), mortgage arrangement fee (£0–£2,000), searches (£250–£450), Land Registry fee (£100–£500), and removal costs. HouseCheckup's calculator itemises each of these based on your property price.
How much are solicitor fees for buying a house?
Conveyancing solicitor fees for a standard UK house purchase typically range from £1,000 to £2,000 plus VAT. This covers the legal work including title checks, contract review, Land Registry registration, and handling of funds. Leasehold properties cost more due to additional enquiries. HouseCheckup estimates typical fees based on property price.
Do first-time buyers pay less in buying costs?
First-time buyers benefit from stamp duty relief (no SDLT on the first £300,000 for properties up to £500,000) and may qualify for Help to Buy or Lifetime ISA bonuses. Other costs (solicitor fees, surveys, and mortgage fees) remain the same. HouseCheckup's calculator applies first-time buyer discounts automatically.
Should I budget for ongoing costs after buying?
Yes. Beyond purchase costs, budget for buildings insurance (required by lenders), contents insurance, council tax, utility bills, service charges (leasehold), ground rent, maintenance, and potential renovation. HouseCheckup's Complete report includes a True Monthly Cost estimate covering ongoing expenses.

Check the whole address

Search an address in England, Wales and Scotland, see the available area data, then choose an emailed report for the property.

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Cancel for a full refund at any time before your report is emailed. Terms

What the report coversThe pre-offer check

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