Buyer calculator
Cost of buying a house calculator
A quick cash-needed estimate for buyers comparing deposit, stamp duty, conveyancing, survey and report costs before making an offer.
Last updated: 7 July 2026. Editorially reviewed: 7 July 2026.
Estimated cash needed
£44,163 to £45,563
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
Flood, subsidence, EPC, crime, schools, transport, broadband, tenure, age, listed status and price checks where data is available.
Run a free previewRelated tools
Editorial review
Reviewed by the MyPropertyScan editorial team. Editorial owner: BiteRight Ltd, operator of MyPropertyScan. We review buyer guides against UK public property datasets, RICS survey wording, lender requirements, and common buyer questions.
Pages are updated when source coverage, property-risk guidance, survey cost assumptions, or product checks materially change. Methodology and dataset limitations are explained on the MyPropertyScan methodology page.
Estimates only. Not tax, legal, mortgage, insurance or surveying advice. Confirm exact costs with your conveyancer, lender and surveyor before exchange.