technofatty Questions, awkwardly answered.

Questions, awkwardly answered.

Home · Moving cost estimator

Moving Home Cost Estimator

Enter your property price, buyer status, survey, and removals to get a full upfront cost estimate including stamp duty, solicitor fees, and searches.

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Moving cost estimator

These are the costs on top of your deposit — often underestimated.

What this means

This tool estimates all the costs beyond your deposit: stamp duty, legal fees, survey, removals, mortgage arrangement, and searches.

Formula used

Stamp duty (SDLT — UK thresholds including FTB relief) + solicitor/conveyancing + survey + removals + £1,000 mortgage arrangement + £500 searches and misc.

Worked example

£350,000 property, first-time buyer, mid-range solicitor (£2,000), homebuyer survey (£600), local small removals (£600): stamp duty £0 (FTB relief), total estimated costs ~£4,700.

Common questions

What is stamp duty (SDLT)?
Stamp Duty Land Tax is a tax on property purchases in England and Northern Ireland. For primary residences: 0% up to £250,000, 5% on £250,001–£925,000, 10% on £925,001–£1.5m, 12% above. First-time buyers pay 0% up to £425,000 and 5% on £425,001–£625,000. Above £625,000, the standard rates apply.

What does the solicitor fee cover?
Conveyancing solicitor fees cover the legal work of transferring property ownership: title searches, contract review, liaising with the seller's solicitor, managing the exchange and completion, and registering the change of ownership with the Land Registry. Fees vary significantly by property value, type, and location.

Plain-English summary

Enter your property price and choices to get a total upfront cost estimate including stamp duty calculated to current UK thresholds.

This section translates the result into a short, direct takeaway rather than leaving the page at a bare number.

Disclaimer: This is an illustrative estimate only. Actual costs depend on specific quotes, property type, leasehold vs freehold, location, and other factors. Not legal or financial advice. Always get quotes from solicitors and surveyors before proceeding.

Read the guide

What moving home actually costs — the fees most people underestimate

Most people budget the deposit and forget about everything else. Here's the full list of upfront costs and where they come from.

Read the guide

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