How this calculator works & sources ↓
The mortgage is only part of it. Stamp duty, legal fees, surveys and moving costs all land before you get the keys — see the full number upfront.
This calculator is UK-specific — stamp duty rates and thresholds work very differently in other countries, so there's no region switcher here.
Work out the total cash you need on completion day — not just the deposit.
Stamp Duty Land Tax figures are illustrative, based on current England & Northern Ireland residential rates. Scotland (LBTT) and Wales (LTT) use different bands. Always confirm the exact figure with your solicitor before exchanging.
Want to turn this into a full plan? Grab the free Budgeting Checklist — a checklist plus 3 worksheets to put these numbers to work.
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Deposits, stamp duty, legal fees, surveys, mortgage fees, moving costs and the bills that arrive afterwards — brought together in one practical 21-page guide.
See what’s inside →No — this is the cash needed upfront alongside a mortgage: the deposit, stamp duty, and one-off fees. The ongoing monthly mortgage payment is a separate cost, covered by the mortgage calculator.
Stamp Duty Land Tax (SDLT) is a tax the buyer pays on property purchases in England and Northern Ireland, charged in bands based on the purchase price. Scotland and Wales have their own equivalents (LBTT and LTT) with different thresholds.
Yes, up to a point. First-time buyer relief removes stamp duty on the first portion of the price and reduces it on the next portion, but only on purchases up to a set price threshold — above that, standard rates apply with no relief.
Survey fees, solicitor fees, mortgage arrangement fees, land registry fees, and moving costs are the ones most commonly left out of a budget — none of them are optional, and together they can add up to several thousand pounds.
Grab the free Budgeting Checklist below — a checklist plus 3 fill-in worksheets, delivered straight to your inbox.
Adds the purchase costs and estimates you enter. Property taxes, reliefs and legal fees vary by location and eligibility; verify current rules before budgeting.
Sources and further reading: HMRC Stamp Duty Land Tax · Scottish Revenue LBTT · Welsh Revenue LTT