!
This is education and guidance, not personal financial advice.

The figures below are estimates to help you plan. Actual costs vary by property, location, lender, solicitor, and circumstances. Stamp duty rules differ across England, Scotland, Wales, and Northern Ireland.

For confirmed costs, speak to your solicitor (for legal and conveyancing fees) and your mortgage adviser (for mortgage fees and stamp duty applicable to you). DS Financial is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, FCA Firm Ref: 835094.

Are you selling a property to fund this purchase?

Your Deposit

£
The total cash you have available toward your purchase, before any costs.
First-time buyer relief: No SDLT on the first £300,000, then 5% on £300k, £500k. Above £500k, relief no longer applies and standard rates kick in.

Current Home Equity

£
What is your current property worth?
£
How much do you still owe on your mortgage?
£
Removals company, packing materials, etc.
Tip: Get 3 quotes from removal companies. Average UK cost is £1,500 to £3,500.
£
Usually 1 to 3% of sale price. Some are fixed fee.
£
Property survey, valuation report, etc.

Purchase Costs

£
How much is the new property?
£
Based on purchase price and property location.
Open calculator →
£
Conveyancer or solicitor fees for purchase.
Need a solicitor? Compare quotes from 70+ UK solicitors via Digital Move, fixed-fee, no-completion-no-fee.
£
Search reports, local authority fees, etc.
£
New mortgage broker/lender fees. Optional if added to mortgage.
£
Keep back for credit cards, decorating, emergency fund, etc.

Your Summary

Gross Equity From Sale
£0
Total Moving & Sale Costs
£0
Total Purchase Costs
£0
Money Retained
£0
Available for Deposit
£0
Deposit as % of Purchase
0%

Detailed Breakdown

Current Property Value £0
Less: Outstanding Mortgage −£0
Gross Equity £0
Less: Moving Costs −£0
Less: Estate Agent Fees −£0
Less: Survey & Valuation −£0
Net Equity After Sale £0
Less: Stamp Duty (Purchase) −£0
Less: Legal Costs (Purchase) −£0
Less: Searches & Fees −£0
Less: Mortgage Arrangement Fee −£0
Available for Deposit & Retention £0
Less: Money to Retain −£0
Final Deposit Available £0

Next Steps

Now you know your deposit amount, here's what to do next:

Stamp Duty Calculator Get Mortgage Advice FTB Guide
darrentalks.co.uk, Plain-English mortgage education from Darren Shepherd, 36+ years in the UK mortgage industry. For guidance only, not financial advice. For personalised regulated mortgage advice, talk to Debbie at dsfinancial.co.uk, Appointed Representative of Stonebridge Mortgage Solutions Ltd, FCA Firm Ref: 835094. Your home may be repossessed if you do not keep up repayments on your mortgage.
Stage 1 of 9 · Your Buying Journey

Got your costs sorted? Here's what comes next.

Now you know what the move will actually cost, the next step is getting yourself mortgage-ready, credit checks, deposit on track, paperwork in order. We'll walk you through it, free, no sign-up.

Next stage → Getting mortgage-ready Or jump to The full journey hub

Important Notes, please read

  • Education and guidance only, not regulated financial advice. This is a planning tool. Confirmed figures only come from your solicitor and your mortgage adviser, based on your actual property and lender.
  • Stamp duty varies by region (England, Scotland, Wales, Northern Ireland have different rules) and property price.
  • Legal costs typically range from £800 to £1,500 depending on complexity and your conveyancer.
  • Mortgage arrangement fees can often be added to your mortgage instead of paid upfront. Check with your lender.
  • Estate agent fees are negotiable. Always get quotes from 2 to 3 agents before listing.
  • Retention fund is important. Having cash reserves for emergencies and essential costs after moving is advisable.
  • For personal mortgage advice tailored to your circumstances, speak to a qualified adviser. Debbie at DS Financial is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, authorised and regulated by the FCA (Firm Ref: 835094). For solicitors, Digital Move lets you compare quotes from 70+ UK firms.