Total Cost to Buy
Buying a home — full cost planner
One unified view: property price, deposit, stamp duty by region, EMI, plus the optional upfront fees most buyers forget. See exactly how much cash you need before completion.
1. Your property
2. Buyer status & region
Where are you buying?
Are you a:
3. Your mortgage
4. Your income (optional)
5. Other costs (optional)
Most buyers also pay legal (~£1,500), survey (~£500) and a lender fee (~£1,000). Toggle on to include them in your cash-needed total.
Total cash needed upfront
£40,000
Deposit £40,000 + SDLT £0
Cash composition
Loan-to-value
87.7%
LTV
Monthly EMI
£1,486.69
SDLT payable
£0
Total interest over term
£250,210
Effective SDLT rate
0.00%
SDLT band breakdown
| Band | Rate | Taxable | Tax |
|---|---|---|---|
| £0 – £425,000 | 0.0% | £325,000 | £0 |
- First-time buyer relief applied (purchase ≤ £625,000).
Loan exceeds typical max borrowing of £247,500
Loan-to-income 5.18 · Stressed EMI £1,773.12 at 7.75% · Max borrowing £247,500
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