UPFRONT BUYING COST
First-time buyer budget calculator
Add the deposit, purchase tax and professional costs needed before completion.
Estimated result
£42,449
- SDLT
- £2,500
- Mortgage required
- £315,000
- Deposit percentage
- 10.0%
- Costs excluding deposit
- £7,449
Automatically applies first-time buyer purchase-tax bands where available. Welsh LTT has no general first-time buyer relief. Additional-property and non-resident surcharges are not selected here.
SOURCES & REVIEW
Checked against official guidance
Last checked 14 July 2026 · Rule version GB-2026.27.1
MoneyHelper: Buying and moving costs ↗COMMON QUESTIONS
Frequently asked questions
Is this an exact quote or tax return?
No. It is an estimate based on the inputs and assumptions shown.
When was this checked?
The method and linked official guidance were reviewed for the current UK release.