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Total Moving Costs Calculator

See the true total cost of buying a home

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What you'll need in the bank

£34,849

Deposit

£30,000

Stamp Duty

£0

Auto-calculated

All fees

£4,849

Fees as % of price

1.6%

Cost Breakdown

Deposit86%
Solicitor4%
Survey2%
Mortgage fee3%
Broker1%
Removals2%
Other1%

Estimated Monthly Costs from Day 1

Mortgage£1,501/mo
Buildings insurance£25/mo
Council tax (est.)£150/mo
Energy (est.)£130/mo
Total monthly£1,806/mo

Full Itemised Breakdown

Deposit£30,000
Stamp Duty (SDLT)£0
Solicitor / Conveyancer£1,200
Local Authority Searches£300
Survey (HomeBuyer Report)£550
Mortgage arrangement fee£999
Mortgage broker fee£500
Land Registry fee£150
Bank transfer fee£35
Electronic ID verification£15
Buildings insurance£300
Removals£800
Total£34,849

Beyond the deposit, you're looking at £4,849 in fees and costs — that's 1.6% of the property price. The biggest surprise for most first-time buyers is how much solicitor searches and surveys add up. Budget an extra 3-5% of the property price for total moving costs.

Frequently Asked Questions

Important: The figures provided by this calculator are for general illustrative purposes only and do not constitute financial advice, a recommendation, or a guarantee of any outcome. Calculations are based on simplified assumptions and may not reflect your individual circumstances. You should seek independent financial advice from a qualified professional before making any financial decisions. Viven accepts no liability for decisions made based on the information provided by this tool.

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