Get a complete breakdown of the costs involved in buying and moving into a new home, including stamp duty, legal fees, surveys, and removals.
Buying a home involves more than just the purchase price. Stamp duty (or LBTT in Scotland, LTT in Wales) is typically the largest additional cost. You will also need to budget for a solicitor to handle conveyancing, a property survey, an EPC certificate, and removal costs. First-time buyers in England and Northern Ireland may benefit from stamp duty relief on properties up to £500,000.
While not legally required, a survey is strongly recommended. A basic HomeBuyer Report (Level 2) costs around £300-£500 and can reveal issues that save you thousands. For older or unusual properties, a full Building Survey (Level 3) at £500-£700+ is advisable.
Yes. Many solicitors offer fixed-fee conveyancing packages. It's worth getting 3-4 quotes. Online conveyancers are often cheaper but may offer less personal service. Always check that any quote includes disbursements (search fees, Land Registry fees, etc.).
This estimator covers the main costs. Other potential expenses include mortgage arrangement fees (£0-£2,000), buildings insurance (required on exchange), redirected mail, new furniture, and utility connection fees.
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