MOVING HOME
Moving cost calculator
Add the major moving expenses together before you commit to a sale or purchase.
What this calculator does
Use this page to estimate the legal, survey, removals and mortgage-fee costs involved in moving home. It is useful when you want a quick cash requirement before the transaction gets serious.
Worked example
Even a straightforward move can add several thousand pounds of legal, survey and removals costs on top of the deposit and purchase tax.
Common mistakes
Do not forget to include both buying and selling costs.
Do not assume removals are the only moving expense.
Do not overlook temporary overlap in rent, mortgage or storage.
Why the result can differ
The exact legal and survey costs depend on property type, location and provider.
Selling costs are not included unless you add them in your own assumptions.
Purchase tax and mortgage fees vary by nation and lender.
What this calculator does
It adds up the practical costs of moving home: legal fees, surveys, removals, storage and any overlap between old and new housing. That gives a better sense of the cash pressure than looking at the asking price alone.
Worked example
A chain move can easily include both purchase and sale costs, especially if a buyer needs temporary storage or a short rent overlap. The calculator makes those extra items visible before the transaction becomes unavoidable.
Why the result can differ
Different solicitors, survey types, removals companies and temporary housing choices can change the total a lot. Purchase tax and mortgage fees also vary by nation and lender, so this should be used as a planning range.
SOURCES & REVIEW
Checked against official guidance
Last reviewed 14 July 2026 · Rule version GB-2026.27.1
Daily/weekly source monitoring. If a source changes, the affected rule set is reviewed before publication.
All source links are kept visible so you can verify the figures used on this page.
MoneyHelper: Cost of buying a home ↗Sources, methodology and update policy →Report an issue or correction →WHY RESULTS DIFFER
Why two users can see different results
Why the result can differ
Different tax codes, payroll periods, Scottish bands, pension methods or lender assumptions can change the outcome.
One-off bonuses, pay frequency, overpayments, allowances and reliefs can move the result away from a simple annual estimate.
Where a rule depends on eligibility or legal status, this page shows an estimate and links to official guidance.
This section is intentionally repeated on key tools so the explanation stays near the result instead of being hidden in a separate policy page.
COMMON QUESTIONS
Frequently asked questions
Does this include stamp duty or LBTT?
Only if you add it as a cost item in the model.
Are estate agent fees included?
Selling costs are not automatically included, so check the exclusions before using the result.