Stamp Duty & total home buying cost calculators
Stamp Duty is just one line on a purchase. Add conveyancing, survey, product fees, valuation, mortgage broker fees and moving to see your true upfront cost.
Stamp Duty & total upfront cost calculator
Enter your figures, then add your name and phone to reveal the result. Free, no credit check.
More costs & stamp duty calculators
Stamp Duty calculator
SDLT bands (2025/26) for England & NI. First-time buyer relief and 5% BTL surcharge included.
Mortgage fees calculator
Product fee, booking fee, valuation, CHAPS, exit fee.
Total home buying cost calculator
Deposit + SDLT + conveyancing + survey + fees + removals = day-one cash out.
Mortgage interest calculator
Total interest paid over the term at your rate.
Total mortgage cost calculator
Loan + interest + fees over the full term.
Cost of moving calculator
Removals, storage, cleaning, utility set-up, mail redirect.
Solicitor cost calculator
Legal fees + disbursements (searches, ID, Land Registry).
Conveyancing calculator
Fixed-fee vs. hourly estimate; freehold vs. leasehold uplift.
Every scenario above depends on lender-specific criteria (income multiples, ICR, stress rates, credit profile). A vetted FCA-regulated broker will run the exact numbers for your situation in one working day.
Frequently asked questions
What are the current UK Stamp Duty thresholds?
From April 2025 (England & NI): 0% up to £125k, 2% to £250k, 5% to £925k, 10% to £1.5m, 12% above. FTB relief: 0% up to £300k, 5% £300k–£500k (max £500k purchase price).
How much does buying a house cost in total (upfront)?
Beyond the deposit, expect £3,000–£6,000 in fees for a typical purchase (conveyancing, survey, product fee, valuation, removals) — plus Stamp Duty if applicable.
Is Stamp Duty different in Scotland and Wales?
Yes. Scotland uses LBTT (0% to £145k, then banded); Wales uses LTT (0% to £225k, then banded). Only England & NI use SDLT.
Do I pay the 3% Stamp Duty surcharge on a second home?
Yes — an extra 5% (raised from 3% in October 2024) on the whole price if you own another residential property anywhere in the world at completion.
Can I add Stamp Duty to my UK mortgage?
No — SDLT must be paid within 14 days of completion from your own funds. You can only borrow against the property, not the tax bill, unless you increase the loan and complete with more cash.
Do first-time buyers pay Stamp Duty in the UK?
In England & NI, no SDLT on the first £300,000 of purchases up to £500,000. Above £500,000 the full standard rates apply — the relief is lost entirely.
How much are UK conveyancing fees in 2026?
Typically £1,200–£2,200 including searches and disbursements. Leasehold flats are more expensive; new-build often has developer-preferred rates.