UK PROPERTY PURCHASE COSTS

UK property purchase cost calculator

Bring together the deposit, stamp duty and common buying costs to estimate the cash you may need.

Property price

Enter the amount in pounds. Results update as you type.

Funding method

Cash purchaseNo mortgage principal or mortgage costs are included.MortgageEnter a deposit percentage and mortgage costs to estimate the borrowing.

Deposit percentage

The default is 40%, implying a 60% loan-to-value.

Transaction type

ResidentialMain home or residential investment; residential SDLT rules apply.Commercial or mixed-useNon-residential and mixed-use SDLT rules apply.

Property ownership & use

First property worldwide & main homeFirst property worldwide & not main homeAdditional property & not main home

UK residence for SDLT

Yes, UK resident (183+ days in the UK)No, non-UK resident (under 183 days in the UK)

The non-resident test looks at time spent in the UK during the 12 months before completion. A 2% surcharge usually applies; a refund may be available if the conditions are met after completion.

Additional purchase costs

Note: The amounts below are examples. Replace each one with your actual quotation; enter 0 when a cost does not apply. Enter solicitor fees separately and combine conveyancing, survey and registration costs under other costs.

Estimated solicitor fees

Estimated other costs (conveyancing + survey + registration, etc.)

Estimated mortgage costs (application, solicitor, broker, etc.)

PURCHASE COST ESTIMATE

Estimated cash needed upfront

£218,500

Deposit + costs beyond property price

Total acquisition cost£518,500

FUNDING STRUCTURE

Estimated deposit£200,000

Estimated loan£300,000

Loan-to-value60.0%

One-off purchase cost breakdown

Property price£500,000

Estimated stamp duty£10,000

Solicitor fees£2,000

Mortgage costs£5,000

Other costs£1,500

Total acquisition cost£518,500

Cash needed upfront excludes the portion covered by borrowing. Total acquisition cost includes the property price, stamp duty and listed costs. Stamp duty is an initial estimate based on the selected transaction type and residential profile.

Tax rule

Effective 2025-04-01 · checked 2026-09-07 View official source

Scope and sources

An initial planning estimate only. The page combines residential or commercial/mixed-use SDLT with editable buying-cost allowances. Corporate or trust ownership, linked transactions, complex reliefs, rental NPV and lender eligibility are outside this tool.

Residential rule 2025-04-01; commercial rule 2016-03-17. Checked 2026-09-07. Sources: GOV.UK · Commercial rates

Before you use the estimate

How is this different from the stamp duty calculator?

The stamp duty calculator estimates tax only. This tool brings together the deposit, stamp duty, solicitor fees and combined allowances for conveyancing, survey, registration and mortgage costs to estimate the cash you may need.

Are the other buying costs fixed fees?

No. The amounts are examples. Actual costs vary with the property, transaction complexity, mortgage arrangement and provider, so replace them with your quotations.

Can commercial or mixed-use property use residential rates?

Not automatically. When commercial or mixed-use is selected, the estimate uses non-residential rates. Ask a solicitor to confirm the classification, six-or-more dwelling purchases and linked transactions.

Is this a formal quote or mortgage offer?

No. It is a planning estimate and does not replace formal quotations or eligibility decisions from a solicitor, tax adviser, surveyor or lender.

A CONVERSATION, FIRST

A considered conversation is a good place to start.

Tell us about your plans, your budget and the questions that matter to you. We start by understanding what you need.

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