Free Property Tools
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?
Total estimated moving costs
£0
Full cost breakdown — phased by when due
| Cost | When | Estimate |
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All figures are estimates. Actual costs vary by solicitor, location, and property type. Obtain quotes before exchanging.
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
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