Tool · Cash you need

Cost of buying a house calculator. The cash you need, item by item.

Deposit, the purchase tax where the home is and typical fees for a new home, less the cash offers the builder states, so you know the figure before you reserve.

Illustration, not advice No lender or product named Dated official figures, with their sources

Worked out for

A 4 bedroom home at Ousterley Woods

At £279,995, for a first-time buyer

Cash you need

Computed

Deposit£28,000

Stamp duty£0

Legal fees£2,680

Survey£1,500

Mortgage fees£2,500

Cash you need£34,680

Deposit
Stamp dutyFirst-time buyer relief applies
Legal feesTypical, per government guidance (MoneyHelper) archived on 19 November 2025: legal fees about £2,000 with VAT, searches £300, transfer £50; plus HM Land Registry's £330 Scale 1 fee
SurveyTypical, per government guidance (MoneyHelper) archived on 19 November 2025: the top of its range for a homebuyer survey, £400 to £1,500
Mortgage feesTypical, per government guidance (MoneyHelper) archived on 19 November 2025: the tops of its ranges for booking (£200), arrangement (£2,000) and account (£300) fees
Cash you need

Fees are dated allowances with their stated basis; your own quotes may differ.

Sources: HomePortfolio new-build listings (Facts the builder publishes); GOV.UK (Open Government Licence v3.0); MoneyHelper guidance, archived by the Internet Archive (Open Government Licence v3.0). Contains public sector information licensed under the Open Government Licence v3.0.

Illustration, not advice: the rates, fees and limits in force on 14 Nov 2026. No lender or product is named or recommended.

The deposit at each house price

Each price has its own guide: the deposit table, the cash with each nation’s tax, and the new homes for sale at it.

Cost of buying a house calculator. The cash you need, item by item.

The purchase

The deposit at each house price