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 Guides

Buyer's Guide

Fixed Costs

This form gives you a breakdown of all the additional costs you will encounter. Make sure you budget for these amounts when deciding how much to spend on a house.

Once you have examined these costs, try out our worked examples.


  • House Deposit - 5% to 10% of House Value.

  • Estate Agent's Deposit (if applicable)
    £100 - £500 (+VAT). The deposit is not legally binding. Get a signed and dated receipt.

  • Lender's Fees
    1. Lender's Arrangement Fees (if applicable) - Estimate £250 (+VAT).
    2. Lender's Legal Fees - From £200 (+VAT).
    3. Lender's Valuation Fee - From £110 (+VAT).
    4. Mortgage Indemnity Guarantee(MIG) min. £100 upwards. (First Time Buyers expect to pay £400 to £750).
  • Surveyor - Estimate:
    • £400 - £750 (+VAT) for houses up to £100,000.
    • £750 - £1,000 for anything above £100,000.

  • Solicitor's Fees - Estimate £500 (+VAT).

  • Local Authority Search - £75

  • Land Registry
    • £120 for property worth between £50 - £60,000.
    • £230 for property worth between £90 - £100,000 (etc).

  • Stamp Duty
    • Exempt for properties under £60,000
    • 1% for properties over £60,000
    • 3% for properties over £250,000
    • 4% for properties over £500,000

  • Building Works - Remedy problems e.g. dry/damp rot, woodworm, leaks. Three separate quotations needed for each problem. Cost unique to each house.

  • Removal Costs - Estimate £300 to £500.

  • Utilities:
    • Gas - Reconnection Costs. (Get quotation).
    • Electricity - e.g. Connection of new cooker circuit. (Get quotation).
    • Telephone - New line (£25+VAT (Cable), £100+VAT (BT)) or transfer of existing phone number (£10 +VAT).
    • Mail - Redirect to New Address - £6/month.
    • Water - Any necessary plumbing. (Get quotation).

Optional Costs


Outgoings Once Moved

  • Monthly Mortgage Repayment
  • Council Tax
  • Monthly Building Insurance
  • Monthly Contents Insurance
  • Water/Gas/Electricity/Telephone Bills
  • DIY costs
  • Normal Personal Expenditure

Moving Costs - Worked Examples



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