What it means
This adds up the cash you need to get the keys: deposit, stamp duty and the usual buying fees.
Buying
True cost of buying calculator
Deposit, stamp duty and fees: the cash you need to get the keys.
Why it matters
People often budget for the deposit and forget legal fees, surveys and lender charges. Those still have to be paid.
When to use it
Use it when you are close to offering, or when you want a full cash checklist before you save more.
How to read the result
Focus on the total cash to complete. Replace the fee defaults with real quotes when you have them.
Your figures
More assumptions
Methodology
Rules checked against published sources as of 2025-04-01.
- Cash required is deposit plus stamp duty and the buying fees you enter.
- Stamp duty reuses the England and Northern Ireland estimate.
- Monthly mortgage uses a standard repayment calculation.
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Pair the numbers with area intelligence for a postcode.
FAQs
Are the fee defaults accurate?
They are illustrative mid-market starting points. Replace them with quotes from your solicitor, surveyor and lender.