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Updated for 2026 Tax Year
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House Move Calculator

Calculate whether you can afford to move home. See your equity, moving costs, new mortgage, and whether you have enough cash to make the move.

Adjust inputs, then save as a named scenario.
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£

£

%

£

Check your mortgage terms — often 1–5% of the balance

Equity:£0

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%
yr

%

≈ £0

£

Covers both sale and purchase

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£

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Total Cost of Move
£0
No data
  • Estate Agent Fees£0—
  • Stamp Duty (SDLT)£0—
  • Solicitor / Conveyancer£0—
  • Surveyor Fees£0—
  • Early Repayment Charge£0—
  • Removals£0—
  • Other Costs£0—

Sources of Cash
Equity from current property£0
Less: Estate agent fees (0%)−£0
Net proceeds from sale£0
Uses of Cash
Stamp Duty (SDLT)−£0
Solicitor / Conveyancer−£0
Total move fees−£0
Deposit Available£0

Monthly Payment£0/mo
Loan Amount£0
vs Current Payment£0/mo
LTV0.00%
Total Repayment£0
Total Interest£0

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£

Leave at 0 for single applicant

Before approving a mortgage, lenders check whether you could still afford the payments if interest rates rose sharply. They add 3% to your mortgage rate and recalculate — this is the stress test.

Payment if rates hit 3.00%

£0

Payment-to-income ratio (enter income above)

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Reference

Guidance & FAQ

  • This tool applies scenario-specific financial formulas to generate results.
  • Outputs are standardized into monthly and annual evidence for comparability.
  • Risk and tax assumptions are stress-tested for 2026 planning accuracy.

Last Updated: 16 Apr 2026

Need a full audit of these calculations? Download the Professional PDF Report

Links & Resources
GOV.UK: Property taxes and buying guidanceGOV.UK: SDLT and property tax guidance

Important disclaimer

Content on this site is for educational and planning purposes only and does not constitute regulated financial advice. Always assess your own circumstances and seek guidance from a qualified adviser where appropriate. See the full disclaimer.