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.
This check runs on screen, no signup. The full property report is £9.99 Lite / £24.99 Complete — one report, one price, no subscription.
Frequently asked questions
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.
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.
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.
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.
Related tools
Last updated: