Completion Cost Calculator
The full cost of buying a UK home, beyond your deposit. Stamp duty, legal fees, searches, Land Registry, survey, removals — all in one figure.
Your inputs
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£
£
Total cost on top of your deposit
£4,484
This is the extra cash you need beyond your deposit to complete the purchase of a £300,000 property.
| Cost | Amount |
|---|---|
| Stamp Duty Land Tax | £0 |
| Conveyancing legal fees | £1,300 |
| Property searches | £350 |
| Land Registry fee | £150 |
| Bank transfer (CHAPS) | £35 |
| Mortgage product/arrangement fee | £999 |
| Survey | £650 |
| Removals | £1,000 |
| Total | £4,484 |
Estimates based on typical UK figures in April 2026. Actual costs vary by property, lender, and conveyancer. Add 10–15% buffer for unexpected items.
What's Included in the Calculation
- Stamp Duty Land Tax — calculated at either first-time buyer rates (0% up to £300,000, 5% to £500,000, relief ends above £500k) or standard rates (0% to £125k, 2% to £250k, 5% to £925k, 10% to £1.5m, 12% above)
- Conveyancing legal fees — typical UK solicitor/conveyancer charges with a leasehold uplift for the extra work
- 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
- Removals — a rough estimate; edit to match your quote
Not included: buildings insurance, initial furniture costs, utility connection fees, and ongoing costs like council tax, maintenance, and service charges. Budget at least another 10-15% of the total above for contingency.
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