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Moving House Cost Estimator

Estimate the likely cash needed to move home by combining selling costs, buying costs, deposit requirements, overlap costs and the practical extras that often get missed.

Estimator inputs

Estimated sale equity before fees
Deposit needed
Estimated new LTV

Estimated results

Net sale proceeds £110,140.00
Total cash required £97,344.00
Deposit needed £85,000.00
New mortgage LTV 75.00%
Total transaction costs £17,204.00
Sale equity before fees £115,000.00
Estate agent fee £3,360.00
Total selling costs £4,860.00
Total buying costs £6,149.00
Overlap cost total £1,350.00
Total moving & setup costs £6,195.00
Deposit on next home £85,000.00
Buying costs £6,149.00
Moving & setup costs £6,195.00

How this estimate works

  • Sale proceeds are estimated using your expected sale price, outstanding mortgage balance and selling costs entered above.
  • The tool assumes your deposit for the next property comes from your sale proceeds unless you add extra cash separately outside this estimate.
  • Stamp duty is entered manually here so you can decide whether to use standard rates, reliefs or higher-rate surcharges based on your situation.
  • This is a planning estimate only. Real quotes, lender fees and legal costs may differ.

What this moving house cost estimator includes

This tool is designed for people who are selling one home and buying another. It helps you estimate sale proceeds, the deposit needed for your next property, your likely transaction costs and the extra setup costs that can turn up around moving day.

Typical costs when moving house

  • Estate agent fees
  • Selling and buying conveyancing fees
  • Stamp duty, Land Transaction Tax or LBTT
  • Survey, valuation and mortgage product costs
  • Removal company and packing costs
  • Storage, cleaning and utility setup
  • Overlap costs if both properties run at the same time
  • Immediate repairs, decorating or replacement appliances

Why the cash position matters

Many people focus on the deposit alone, but the real moving budget is often much larger once legal fees, taxes, removals and setup costs are included. This calculator shows whether your estimated sale proceeds look enough to cover the move, or whether you may need extra cash on top.

This estimator provides general planning figures only and does not constitute financial, tax or legal advice.