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Cost of buying a house calculator

Combine a deposit, dated England or Wales property tax, editable fees and a repair allowance into one cash budget. Starting non-tax costs are examples, never quotes.

Your buying budget

All starting fees are clearly editable examples. Replace them with your own quotes and evidence.

The agreed or scenario purchase price.

Cash paid toward the price.

Cash available for deposit and costs.

Onward property tax

Select the jurisdiction and scenario. This does not determine legal eligibility.

Used to select the dated property-tax table.

Choose standard, first-time-buyer or additional-property SDLT.

Editable one-off costs

Set an item to £0 if it does not apply.

Editable example; use a written quote.

Editable example for your chosen survey level.

Include only fees paid from cash.

Editable example; confirm with your conveyancer.

Use your own quote or allowance.

One-off amount included in the cash plan.

A user-controlled contingency, not an estimate.

Property-tax calculations are temporarily disabled while the rate configuration is checked. Use the official authority calculator.

Assumptions used

Calculations are temporarily unavailable while the dated property-tax configurations are reviewed. Use the official authority guidance linked below.

How the calculation works

The calculator treats the deposit, property tax and other one-off costs as separate cash requirements. Property tax comes from the same dated SDLT or LTT engine used on the jurisdiction-specific calculator pages.

other costs = sum of every editable cost line

cash required = deposit + property tax + other costs

cash remaining = savings − cash required

mortgage required = price − deposit

Worked example

This worked example is unavailable until the dated property-tax configurations complete review.

What to replace or add

This is a planning checklist, not a quotation. Replace every example with evidence that matches the property, lender and transaction.

  • Mortgage repayments, utilities, service charges and ongoing insurance are excluded.
  • Specialist surveys, leasehold charges and gifted-deposit work can add costs.
  • Tax relief eligibility and complex transactions need authority guidance or advice.
  • No local fee is inferred from a postcode.

Sources and change log

The property-tax component uses dated configurations checked on 2026-08-20 against HMRC’s England SDLT rates and the Welsh Revenue Authority LTT rates.

20 August 2026: initial cash-budget calculator added with editable example costs and shared dated property-tax engines.

Questions people ask

Are the starting fees typical prices?

No. They are editable examples that make the calculation structure visible. Replace each one with a quote or your own allowance.

Does the deposit include property tax?

No. The deposit goes toward the property price. The calculator shows property tax and other one-off costs separately.

Can I use it for both England and Wales?

Yes. Select the jurisdiction to keep SDLT and LTT logically separate, then choose the rate scenario to estimate.