Purchase cost calculator
Every pound that has to be in the account on completion day
The deposit is the part people plan for and the rest is the part that catches them out. Put in the price, what you are buying and how much of it you borrow, then set each fee to whatever you have actually been quoted. It returns the deposit, the tax and every fee as its own line, and the total that has to have cleared before the solicitor will exchange.
For: First purchase, next home, or an addition to a portfolio
Fees
What happens after completionNothing yet
Where these figures come from
Fees. Conveyancing on a purchase averages £1,509, with leasehold adding about £400. A Level 2 survey is £499 and a Level 3 £786. Mortgage brokers average £643 and many charge nothing. Lender arrangement fees cluster at £999 and £1,999, with the sharpest rates charging 3% to 5% of the loan instead.
Purchase tax. Stamp Duty Land Tax in England and Northern Ireland, LBTT in Scotland and LTT in Wales, all at 2026/27 rates. The full band tables are on the stamp duty calculator.
Published UK averages as at September 2026, and every one is adjustable. The figure that matters is the completion statement your conveyancer sends you a few days before the day, and it will differ from this: apportioned council tax or ground rent, a management pack from a freeholder, a chancel or indemnity policy, and the telegraphic transfer fee all appear on it. Funds have to be cleared in the solicitor's client account, not sent that morning, and most firms want them several working days ahead. An estimate, not advice.
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The calculators that go with this one.
Each answers a single question, on its own page, with every figure in it yours to change.