Free first-time buyer calculator

First-Time Buyer Buying Costs Calculator

Build a realistic cash budget for your deposit, legal work, survey, mortgage fees, moving costs and a sensible buffer.

Private by defaultUpdates instantlyIllustrative estimate

Add your numbers

Build the full cash budget

Your deposit is only one part of the money you may need before moving day.

Home priceGBPDeposit%Where are you buying?Property-tax estimateCheck the official calculator, then enter the result here. Enter zero if none applies.GBPLegal work and searchesGBPSurveyGBPMortgage feesGBPMoving and setupGBPEmergency bufferGBP

Live estimate

Updates as you type

See beyond the deposit

Total cash target

£32,600

Deposit plus all of the cost estimates entered.

Deposit

£25,000

Costs outside deposit

£7,600

Estimate only. This is not a mortgage offer, affordability assessment, eligibility decision or recommendation.

Education only: Solvado does not provide mortgage, financial, tax, legal or insurance advice. Any tool results are general estimates, not recommendations, offers or eligibility decisions. Rules, rates and criteria can change. Check official sources and speak to an appropriately regulated professional before making decisions.