What will buying cost?
Two calculators to plan your budget before you view: what you would pay each month, and the stamp duty due on the purchase.
Monthly repayments
Mortgage calculator
Enter the price, your deposit, the interest rate and the term to see roughly what you would pay each month.
Est. monthly payment
£2,292
Loan amount
£382,500
Loan-to-value
85%
Indicative only, based on a standard capital-repayment mortgage — actual rates and offers depend on your lender and circumstances. This isn't a quote or financial advice; speak to a mortgage adviser before making a decision.
Stamp duty
Stamp duty calculator
Stamp Duty Land Tax for England and Northern Ireland, with the band-by-band working shown.
Stamp duty to pay
£12,500
Effective rate
2.78%
| Band | Rate | In this band | Tax |
|---|---|---|---|
| £0 – £125,000 | 0% | £125,000 | £0 |
| £125,000 – £250,000 | 2% | £125,000 | £2,500 |
| £250,000 – £925,000 | 5% | £200,000 | £10,000 |
Estimate of Stamp Duty Land Tax for a residential purchase in England and Northern Ireland, using the rates we last checked in October 2026. Scotland and Wales have their own taxes, and other rules (company purchases, shared ownership, mixed-use or leasehold premiums) aren't covered. This isn't tax advice — your solicitor will confirm the exact figure for your purchase.
Plan ahead
Costs to budget for besides the price
The deposit and stamp duty are the big numbers, but they are not the only ones.
- Stamp duty (use the calculator above)
- Solicitor or conveyancer fees
- A survey or valuation of the property
- Mortgage arrangement and lender valuation fees, where charged
- Searches, such as local authority and drainage
- Removals, and any furniture or work the new home needs
Both calculators give estimates only and are not financial or tax advice. Stamp duty rates last checked October 2026.
Next
You might also need
- GuideFirst-time buyersStamp duty relief, the Lifetime ISA and the schemes that can help you get on the ladder.Read more
- GuideMortgages explainedRate types, how lenders decide and how to find an authorised adviser.Read more
- GuideHow buying worksFrom register to completion: the stages, who does what and what is changing.Read more
- GuideBuy to letThe costs of buying to let, how rental income is taxed and what changes from 2027.Read more
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