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Cost of Moving

Every cost, phased by when it falls due — so there are no surprises on completion day.

Buyer type

Are you also selling?

Survey type

Mortgage required?

What does it actually cost to move house?

Moving house is one of the most expensive financial events most people experience, yet the full list of costs is rarely visible in one place. The purchase price is only the start. Stamp duty, solicitor fees, survey costs, mortgage fees, Land Registry registration, estate agent fees (if selling), and removal costs all fall due at different points in the transaction — and many are payable before completion, whether or not the purchase proceeds. Our calculator adds all of them up and shows you exactly when each payment is expected.

Stamp duty — the largest single cost

For most buyers in England purchasing between £125,000 and £500,000, stamp duty (SDLT) is the biggest single cost of moving. A home mover buying at £300,000 pays £5,000 in stamp duty. A first-time buyer at the same price pays £0. An additional property buyer pays £20,000. The difference between buyer types is dramatic — and knowing exactly which category you fall into is the starting point for any moving budget. Use our stamp duty calculator for the full slice-by-slice breakdown.

Solicitor and conveyancing fees

You need a conveyancing solicitor for both buying and selling. Typical buying fees range from £1,000 to £2,000 including disbursements (search fees, Land Registry, SDLT submission). Selling fees are usually £800–£1,500. Always request a full quote including VAT and all disbursements — some solicitors advertise a low headline fee and add search costs, bank transfer fees, and Land Registry charges separately. Fixed-fee conveyancing is common; avoid firms quoting hourly rates for a standard residential transaction.

Surveys — don't skip this cost

A mortgage valuation is not a survey. It tells the lender the property is worth what you are paying — nothing more. A Homebuyer Report (RICS Level 2, approximately £400–£700) checks for damp, structural movement, and obvious defects, with traffic-light ratings and a market valuation. A Building Survey (RICS Level 3, £600–£1,500) provides a detailed assessment of the structure and condition, appropriate for older, larger, or non-standard properties. Skipping a survey on a property with hidden defects can cost tens of thousands to remedy later.

Estate agent fees — when selling

Estate agent fees for selling a residential property typically range from 0.75% to 2% of the sale price with a traditional sole agency. On a £275,000 sale at 1.2%, the fee is £3,300. These fees are typically only payable on successful completion, which means if the sale falls through you owe nothing — though some agents charge a withdrawal fee if you remove the property from the market. Always confirm the exact fee, whether it includes VAT, and the notice period if you wish to change agents.

Moving costs questions

Total costs typically range from £5,000 to £25,000 depending on purchase price, buyer type, and whether you are also selling. Stamp duty is usually the largest single cost for home movers. Our calculator gives you a full itemised estimate including all fees and when each falls due.
Buying conveyancing typically costs £1,000–£2,000 including disbursements (searches, Land Registry, SDLT submission). Selling costs £800–£1,500. Always ask for a full quote including VAT and all disbursements — some firms advertise a low headline fee and add costs separately.
Not legally required, but strongly recommended. A Homebuyer Report (£400–£700) suits most properties. A Building Survey (£600–£1,500) is better for older, larger, or non-standard properties. A mortgage valuation is not a survey — it only confirms the property is worth what you are paying, not that it is in good condition.
The Land Registry fee is tiered: £95 for £100,001–£200,000; £135 for £200,001–£500,000; £270 for £500,001–£1,000,000; £455 above £1,000,000. Your solicitor handles the registration as part of the conveyancing process.
Traditional sole agency fees typically range from 0.75% to 2% of the sale price, with 1%–1.5% being most common. Fees are usually only payable on successful completion. Always confirm the percentage, whether VAT is included, and any withdrawal or marketing fees.

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