Completion Cost Calculator

What's Included in the Calculation

• Stamp duty — SDLT in England and Northern Ireland (first-time buyers pay 0% up to £300,000 and 5% to £500,000; standard rates 0% to £125k, 2% to £250k, 5% to £925k, 10% to £1.5m, 12% above), Land Transaction Tax in Wales (no first-time buyer relief) or LBTT in Scotland, with the higher rates if you'll own another home
• Conveyancing legal fees — typically £1,200–£1,500 including VAT for a freehold purchase, plus about £200–£400 for the extra work on a leasehold
• Property searches — local authority, water/drainage, environmental, plus any optional extras
• Land Registry fee — the statutory cost of registering the transfer, tiered by purchase price
• Bank transfer (CHAPS) — typical charge to send mortgage funds on completion day
• Mortgage product/arrangement fee — varies wildly by lender and product; editable
• Survey — RICS Level 1, 2, or 3, or none. Costs scale with property price and survey depth: a Level 2 HomeBuyer Report is typically £500–£800 and a Level 3 Building Survey £800–£1,500
• Removals — a rough estimate; edit to match your quote

Not included: a mortgage broker fee, if your broker charges one (often £0–£500), buildings insurance, initial furniture costs, utility connection fees, and ongoing costs like council tax, maintenance, and service charges. It also doesn't include the extra 2% SDLT for buyers who aren't UK resident (in the UK for fewer than 183 days in the 12 months before buying) in England and Northern Ireland; Wales and Scotland have no equivalent. Budget at least another 10-15% of the total above for contingency.