Updated for 2026 Tax Year

Residential Purchase

Estimate the total cost of buying a UK home, including stamp duty, solicitor fees, surveyor costs, broker fees, and more. See exactly how much cash you need on day one.

Saved scenarios

Adjust inputs, then save as a named scenario.

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Purchase Price (£)

Buyer Type

Standard purchaseAdditional property (+5% surcharge)

Stamp Duty Breakdown

Band	Rate	Tax
£0 – £125,000	0%	£0
£125,000 – £250,000	2%	£0
£250,000 – £925,000	5%	£0
£925,000 – £1,500,000	10%	£0
Over £1,500,000	12%	£0
Total	0.00%	£0

Deposit (£)

Loan Amount

£0

LTV

0.00%

Solicitor / Conveyancer (£)

Surveyor / Valuation (£)

Estate Agent Fees (£)

Mortgage Broker Fee (£)

Mortgage Arrangement Fee (£)

Removals (£)

Other Costs (£)

Cash Needed on Day One

£0

Item	Cost
Deposit	£0
Total	£0

Mortgage Interest Rate (%)

Mortgage Term (years)

Monthly Payment

£0

Total Repayment

£0

Total Interest

£0

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

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Links & Resources

GOV.UK: Property taxes and buying guidance GOV.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.

Project Cashflow

Residential Purchase

Property price

Purchase Tax

Stamp Duty Breakdown

Loan & Deposit

Additional Purchase Costs

Decision Metrics

Mortgage Cost

Guidance & FAQ

Links & Resources