Buyer calculator
Cost of buying a house calculator
A quick cash-needed estimate for buyers comparing deposit, stamp duty, conveyancing and survey costs before making an offer. The total is the sum of the lines shown; a property report is optional and not included.
Last updated: 29 September 2026. Editorially reviewed: 7 July 2026.
Estimated cash needed
£44,150 to £45,550
What to budget before exchange
The headline price is only one part of the cash plan. Stamp duty, surveys, legal work, moving costs, mortgage fees and risk follow-ups can change what a sensible offer looks like.
- Deposit and SDLT.
- Conveyancing and searches.
- Level 2 or Level 3 survey.
- Specialist follow-ups if flood, subsidence, damp, roof or leasehold risks appear.
FAQs
Does this include mortgage fees?
It focuses on the main upfront buyer costs. Mortgage arrangement, broker, valuation and moving fees vary, so add those from your own quotes.
Should I book a survey before a property report?
Usually run the free preview first. If the address still looks worth pursuing, unlock the report and use it to choose the right survey scope.
Can this change my offer?
Yes. If the report or survey reveals material costs, you can use the evidence to decide whether to renegotiate, proceed or walk away before exchange.
Before you spend more
Run the address through MyPropertyScan before booking follow-up work. The report shows the public-record risks that can affect survey scope, solicitor questions, insurance checks and negotiation.
Run the check
Check the property before you offer
Free preview: flood risk, EPC rating, crime, tenure and air quality. The £9.99 report adds the remaining 17 checks, 22 in all, drawing on up to 15 public datasets.
Run a free previewRelated tools
Buying a new-build? Recorded sale prices by region and council show what similar homes sold for, which helps when you set a budget. See the new-build price study.
How MyPropertyScan produces this guide, and what it is not
Published by MyPropertyScan and written by Ziad Nasr, who is accountable for its accuracy. No page here is written or reviewed by a chartered surveyor, conveyancer or regulated adviser, and we do not claim otherwise.
This page is not:
- Chartered surveying: we do not inspect properties or produce RICS Home Survey reports
- Legal advice: we do not act as conveyancers or advise on title, tenure or contracts
- Mortgage or insurance advice: we are not regulated by the FCA and give no recommendations
Figures and process steps come from published UK datasets and standards, not from professional practice. Pages are updated when source coverage, survey cost assumptions, or lender and legal requirements materially change. Dataset limitations are set out on the methodology page.
Spotted something out of date or wrong? Email [email protected] and we will correct it and change the update date.
Estimates only. Not tax, legal, mortgage, insurance or surveying advice. Confirm exact costs with your conveyancer, lender and surveyor before exchange.