The Hidden Costs of
Buying a House in the UK
Buying a property involves more than just the deposit. From legal fees to stamp duty, use our calculator to see exactly how much cash you need to save before applying.
Why this matters:
- • Solicitors and surveyors must be paid upfront.
- • Stamp Duty can add thousands to your bill.
- • Lender product fees are often overlooked.
What Are All These
Hidden Costs?
Conveyancing (Legal) Fees
You pay a solicitor to handle the legal transfer of ownership. This includes checking boundaries, handling the money, and registering the title.
Surveyor Fees
A mortgage valuation is for the bank's benefit. A HomeBuyer's Report or Structural Survey is for your benefit, to check for damp, subsidence, or roof issues.
Lender Fees
Many mortgages come with an "Arrangement Fee" (often ~£995) to get a lower interest rate. This can sometimes be added to the mortgage, but you'll pay interest on it.
Crunch the Numbers for Your New Home
Monthly Repayments
Estimate your monthly mortgage payments.
Stamp Duty Calculator
Estimate the tax you may need to pay.
Affordability Check
Find out exactly how much you can borrow. For PAYEE/full-time workers.
Self-Employed Calculator
Find out exactly how much you can borrow as a self-employed or contractor.
Advanced Calculator
Equity & interest like a PRO.
How Does Mortgage Mapper Work?
