Calculate All Property Purchase Costs
Frequently Asked Questions
How much does it cost to buy a house in the UK in 2026?
The total upfront cost of buying a house in the UK in 2026 typically ranges from 3% to 6% of the purchase price on top of your deposit. For a £300,000 property this is often £9,000–£18,000 in additional costs beyond the deposit.
What stamp duty do first-time buyers pay in 2026?
From April 2025 the stamp duty first-time buyer relief threshold reverted to £300,000. First-time buyers pay no SDLT on the first £300,000 and 5% on the portion from £300,001 to £500,000. Properties over £500,000 do not qualify for relief.
What is a mortgage arrangement fee?
A mortgage arrangement fee is charged by the lender for setting up your mortgage. It typically ranges from £999 to £1,999 and can usually be added to the mortgage loan, though you will then pay interest on it. Lower headline rates often come with higher arrangement fees.
What are typical removal costs when buying a house?
Removal costs in the UK range from £300–£800 for a small flat to £1,500–£3,500 for a large family home, depending on volume, distance and whether packing is included. Obtain at least three quotes from reputable removal firms.
Do I pay stamp duty if I am buying an additional property?
Yes. If you are purchasing an additional property — such as a buy-to-let or second home — you pay the standard SDLT rates plus a 3% surcharge on the entire purchase price. This surcharge applies even if the additional property is lower in value than your main residence.