Worked out for A 3 bedroom home at Willowfields
At £252,995, for a first-time buyer
Cash you need Computed Cash you need: £33,629 Where this figure comes from Where this comes from Method Deposit, LBTT, fees and reservation fee, less the builder’s cash incentives Source HomePortfolio new-build listings Observed 12 Nov 2026, 01:04 UTC Licence Facts the builder publishes As captured £252,995 Source revenue.scot Observed 31 Oct 2026, 00:00 UTC Licence Open Government Licence v3.0 As captured Source MoneyHelper guidance, archived by the Internet Archive Observed 21 Oct 2026, 00:00 UTC Licence Open Government Licence v3.0 As captured Contains public sector information licensed under the Open Government Licence v3.0.
Deposit £25,300
LBTT £1,649
Legal fees £2,680
Survey £1,500
Mortgage fees £2,500
Cash you need £33,629
Deposit Deposit: £25,300 Where this figure comes from Where this comes from Method Deposit, LBTT, fees and reservation fee, less the builder’s cash incentives Source HomePortfolio new-build listings Observed 12 Nov 2026, 01:04 UTC Licence Facts the builder publishes As captured £252,995 Source revenue.scot Observed 31 Oct 2026, 00:00 UTC Licence Open Government Licence v3.0 As captured Source MoneyHelper guidance, archived by the Internet Archive Observed 21 Oct 2026, 00:00 UTC Licence Open Government Licence v3.0 As captured Contains public sector information licensed under the Open Government Licence v3.0. LBTTFirst-time buyer relief applies LBTT: £1,649 Where this figure comes from Where this comes from Method Deposit, LBTT, fees and reservation fee, less the builder’s cash incentives Source HomePortfolio new-build listings Observed 12 Nov 2026, 01:04 UTC Licence Facts the builder publishes As captured £252,995 Source revenue.scot Observed 31 Oct 2026, 00:00 UTC Licence Open Government Licence v3.0 As captured Source MoneyHelper guidance, archived by the Internet Archive Observed 21 Oct 2026, 00:00 UTC Licence Open Government Licence v3.0 As captured Contains public sector information licensed under the Open Government Licence v3.0. 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. These are England and Wales figures: in Scotland, Registers of Scotland charges its own registration fee and conveyancing costs differ Legal fees: £2,680 Where this figure comes from Where this comes from Method Deposit, LBTT, fees and reservation fee, less the builder’s cash incentives Source HomePortfolio new-build listings Observed 12 Nov 2026, 01:04 UTC Licence Facts the builder publishes As captured £252,995 Source revenue.scot Observed 31 Oct 2026, 00:00 UTC Licence Open Government Licence v3.0 As captured Source MoneyHelper guidance, archived by the Internet Archive Observed 21 Oct 2026, 00:00 UTC Licence Open Government Licence v3.0 As captured Contains public sector information licensed under the Open Government Licence v3.0. SurveyTypical, per government guidance (MoneyHelper) archived on 19 November 2025: the top of its range for a homebuyer survey, £400 to £1,500 Survey: £1,500 Where this figure comes from Where this comes from Method Deposit, LBTT, fees and reservation fee, less the builder’s cash incentives Source HomePortfolio new-build listings Observed 12 Nov 2026, 01:04 UTC Licence Facts the builder publishes As captured £252,995 Source revenue.scot Observed 31 Oct 2026, 00:00 UTC Licence Open Government Licence v3.0 As captured Source MoneyHelper guidance, archived by the Internet Archive Observed 21 Oct 2026, 00:00 UTC Licence Open Government Licence v3.0 As captured Contains public sector information licensed under the Open Government Licence v3.0. 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 Mortgage fees: £2,500 Where this figure comes from Where this comes from Method Deposit, LBTT, fees and reservation fee, less the builder’s cash incentives Source HomePortfolio new-build listings Observed 12 Nov 2026, 01:04 UTC Licence Facts the builder publishes As captured £252,995 Source revenue.scot Observed 31 Oct 2026, 00:00 UTC Licence Open Government Licence v3.0 As captured Source MoneyHelper guidance, archived by the Internet Archive Observed 21 Oct 2026, 00:00 UTC Licence Open Government Licence v3.0 As captured Contains public sector information licensed under the Open Government Licence v3.0. Cash you need Cash you need, total: £33,629 Where this figure comes from Where this comes from Method Deposit, LBTT, fees and reservation fee, less the builder’s cash incentives Source HomePortfolio new-build listings Observed 12 Nov 2026, 01:04 UTC Licence Facts the builder publishes As captured £252,995 Source revenue.scot Observed 31 Oct 2026, 00:00 UTC Licence Open Government Licence v3.0 As captured Source MoneyHelper guidance, archived by the Internet Archive Observed 21 Oct 2026, 00:00 UTC Licence Open Government Licence v3.0 As captured Contains public sector information licensed under the Open Government Licence v3.0. Fees are dated allowances with their stated basis; your own quotes may differ.