How much cash you need to buy
The deposit, plus every cost that comes due before or when you complete. Add your own quotes as you get them.
Costs on top
From your quote
From your quote
Leave at 0 if you're adding it to the loan
Often free, but check
Many charge nothing
From your quote
Your own estimate
The deposit£25,000
10.0% of £250,000. The number most people save towards.
The cash you actually need£25,000
That’s £0 on top of the deposit. Your savings would cover it, with £5,000 left.
- Deposit£25,000
- Stamp duty (England and NI, see the working)£0
- Total cash needed£25,000
Stamp duty uses England and Northern Ireland rates from GOV.UK, checked 28 October 2026. Scotland and Wales differ. Every other figure is what you enter: we don’t suggest typical fees because they vary too much to source reliably. Some costs, like the survey, are paid weeks before completion. This is information, not advice. What each of these costs is for.