Worked out for A 4 bedroom home at The Oaks
At £449,995, for a first-time buyer
Cash you need Computed Cash you need: £59,179 Where this figure comes from Where this comes from Method Deposit, stamp duty, fees and reservation fee, less the builder’s cash incentives Source HomePortfolio new-build listings Observed 12 Nov 2026, 01:42 UTC Licence Facts the builder publishes As captured £449,995 Source GOV.UK Observed 21 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 £45,000
Stamp duty £7,499
Legal fees £2,680
Survey £1,500
Mortgage fees £2,500
Cash you need £59,179
Deposit Deposit: £45,000 Where this figure comes from Where this comes from Method Deposit, stamp duty, fees and reservation fee, less the builder’s cash incentives Source HomePortfolio new-build listings Observed 12 Nov 2026, 01:42 UTC Licence Facts the builder publishes As captured £449,995 Source GOV.UK Observed 21 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. Stamp dutyFirst-time buyer relief applies Stamp duty: £7,499 Where this figure comes from Where this comes from Method Deposit, stamp duty, fees and reservation fee, less the builder’s cash incentives Source HomePortfolio new-build listings Observed 12 Nov 2026, 01:42 UTC Licence Facts the builder publishes As captured £449,995 Source GOV.UK Observed 21 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 Legal fees: £2,680 Where this figure comes from Where this comes from Method Deposit, stamp duty, fees and reservation fee, less the builder’s cash incentives Source HomePortfolio new-build listings Observed 12 Nov 2026, 01:42 UTC Licence Facts the builder publishes As captured £449,995 Source GOV.UK Observed 21 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, stamp duty, fees and reservation fee, less the builder’s cash incentives Source HomePortfolio new-build listings Observed 12 Nov 2026, 01:42 UTC Licence Facts the builder publishes As captured £449,995 Source GOV.UK Observed 21 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, stamp duty, fees and reservation fee, less the builder’s cash incentives Source HomePortfolio new-build listings Observed 12 Nov 2026, 01:42 UTC Licence Facts the builder publishes As captured £449,995 Source GOV.UK Observed 21 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: £59,179 Where this figure comes from Where this comes from Method Deposit, stamp duty, fees and reservation fee, less the builder’s cash incentives Source HomePortfolio new-build listings Observed 12 Nov 2026, 01:42 UTC Licence Facts the builder publishes As captured £449,995 Source GOV.UK Observed 21 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.