Made for
UK first-time buyers and anyone planning the cash needed around a house purchase, not just the deposit.
—— LIFE FIGURED GUIDES
Think you've saved enough to buy a house? Your deposit isn't your real number.
Stamp duty. Solicitors. Surveys. Mortgage fees. Moving costs. And the bills nobody thinks about until the keys are nearly yours. This guide puts the real costs in one place, so you know what you actually need before making an offer.
Get the guide — £4.99One-off £4.99 payment · 21-page PDF · No subscription
Inside you'll learn
- ✓What sits on top of your deposit
- ✓How stamp duty actually works — including the £500k first-time buyer relief cliff-edge most people don't know about
- ✓What solicitors and surveys really cost
- ✓Which mortgage fees catch buyers out
- ✓What to budget for after you move in
- ✓A worked £300,000 example, with your completion funds, reserve, and real savings target laid out separately
- ✓A completion-day checklist
- ✓Your Real Buying Number worksheet — fill in your own figures and get your one number
Know exactly what you're getting
Included in the PDF
A 21-page educational guide, a worked £300,000 example, a completion-day checklist and a fill-in buying-number worksheet.
How it works
Buy securely through Payhip for £4.99 and access the downloadable PDF. No subscription is required.
This is a general educational guide, not an individual mortgage recommendation or a substitute for checking current tax rules and professional fees.
A LOOK AT THE APPROACH
A deposit is only one line in the budget
The guide walks through the different amounts to consider. Its worksheet helps you list your own estimates rather than rely on a single headline borrowing figure.
- Deposit and any applicable property tax
- Conveyancing, survey and mortgage fees
- Moving costs and a post-move cash buffer
FREE INTERACTIVE PREVIEW
See how the buying-number worksheet works
Try a simplified version of the budgeting approach used in the guide. These are illustrative figures, not pages copied from the paid PDF. The full guide includes more explanation, a worked example and checklists.
YOUR ILLUSTRATIVE TOTAL
£36,500
Deposit + estimated fees + cash buffer
- Deposit
- £30,000
- Estimated fees
- £3,500
- Cash buffer
- £3,000
The deposit exceeds the property price. Check your figures.
Explore the full free calculator →The full guide is a separate paid PDF (£4.99). This free example is for education only and is not a mortgage or affordability assessment.
Know your real number before you offer.
Get the guide — £4.99Already have a property in mind?
Calculate my buying costs for free →— Adam, still figuring it out too