Add up every cost of buying your first property — deposit, stamp duty, solicitor fees, surveys and moving costs — to see the true amount you'll need.
The agreed purchase price
How much you're putting down
Conveyancing and legal costs
Removals, van hire and incidentals
Total cash needed
£32,800
Deposit plus stamp duty, fees, survey and moving costs
This result is an estimate only and does not constitute financial advice.
Mortgage amount
£270,000
Property price minus your deposit
This result is an estimate only and does not constitute financial advice.
| Item | Amount |
|---|---|
| Deposit | £30,000 |
| Stamp duty | £0 |
| Solicitor / legal fees | £1,500 |
| Survey | £500 |
| Moving costs | £800 |
Note: Solicitor fees, survey costs and moving costs are editable estimates — get exact quotes from your own conveyancer, surveyor and removal firm before you rely on this figure.
The purchase price is only part of what you need in cash to buy a home. On top of your deposit, you'll typically need to find money for Stamp Duty, a solicitor to handle the legal work, a survey to check the property's condition, and the practical costs of actually moving in. Together these can add thousands of pounds on top of your deposit.
Stamp Duty is calculated automatically here using first-time buyer relief, which means no tax is due on the first £300,000 of most purchases in England and Northern Ireland, with a reduced rate up to £500,000. Scotland offers its own relief with a raised nil-rate threshold, but Wales abolished its first-time buyer relief, so Welsh buyers pay standard Land Transaction Tax rates — select your region above to see the correct figure.
Survey costs vary depending on how thorough an inspection you choose. A basic condition report is the cheapest option and flags major issues, a HomeBuyer report adds valuation and advice on defects, and a full building survey — recommended for older or unusual properties — gives the most detailed picture at the highest cost.
Solicitor fees and moving costs are pre-filled with typical estimates, but they're fully editable — enter your own quotes once you have them for a more accurate total.
Use the calculator above to see the full amount of cash you'll need at completion, separate from the mortgage amount your lender provides.
Compare first-time buyer mortgage deals to turn this estimate into a real offer.