Calculate the Costs of Buying a House

This calculator helps you answer the complete set of questions surrounding house purchases in the UK. How much do I need to have saved up? How much do I have to pay in taxes (supports England, Scotland, Wales, and Northern Ireland)? Can I afford the monthly mortgage payments? Would it be better to rent or to buy a property?

Now includes support for the 1st April 2025 Stamp Duty changes

Basics

Property Price (excl. fees and taxes):

Additional fees (lawyer, surveyor, etc.):

Use default

Yearly maintenance cost:

Use default

Taxes

Which part of the UK is the property in?

Will the purchase take place before 1st April 2025?

Will this property be the first residential property you ever owned?

Mortgage

Do you plan to use a mortgage to finance the purchase?

Compare to renting

Do you want to compare buying to renting?

Results

Upfront and monthly costs

Your upfront payment:

£0

Of which is taxes:

£0

Expected monthly costs:

£0

Make sure you have enough savings to cover the upfront costs.