The true cost of moving.
Legal fees. Stamp Duty. Removals. Deposit. Contingency. See what you actually need in the bank, not just what the estate agent tells you.
Your move
Also consider
Estimates based on public HMRC bands and UK industry averages. Your exact Home Panel fee depends on leasehold, new build and other factors, see your quote.
What you’ll need upfront
£39,454-£40,254
A range because surveys and removals vary. Midpoint falls around the middle of the breakdown below.
Deposit
10% of purchase price
£35,000
Stamp Duty Land Tax
This postcode sits in an area covering both sides of the Welsh border, and Wales charges a different tax. Tell us the full address and we will confirm it.
Not shown
Legal fees
Fixed fee £700 + VAT + disbursements
£1,385
Survey
Level 2, HomeBuyer Report
£400-£650
Removals
Varies with distance, stairs, and packing service
£850-£1,400
Contingency (5%)
For anything unexpected
£1,819
Not included in this estimate
- Lender’s valuation fee (£0 to £500, sometimes free)
- Indemnity policies if defects are found (~£50 to £300 each)
- Gifted-deposit verification supplement (£150 if applicable)
- Leasehold management pack (LPE1, ~£200 to £500 if leasehold)
- Move-day miscellany, cleaning, locksmith, key-cutting, utility transfers
- Ongoing costs after moving, council tax, utilities, service charges
The tax is worked out at current rates for the country the postcode is in: Stamp Duty Land Tax in England and Northern Ireland, Land Transaction Tax in Wales. Rates checked on 13 September 2026. We do not show a figure for Scotland, which charges Land and Buildings Transaction Tax. This is an estimate to help you plan, and your conveyancer confirms what you owe before completion.