Calculate the total moving costs and mortgage needed.
About you
UK resident?
(Non-residents may pay more)
Buying in Wales?
Buying in Scotland?
Moving fees
(Tax to buy property)
(Estate agent, legals, mortgage set-up, removal company and other fees)
(Mortgage needed after selling property and paying Stamp Duty and fees)
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Here’s what all of the above means, and a bit more about mortgages and mortgage brokers.
Our moving cost calculator gives you a comprehensive overview of how much it might cost to move home based on your circumstances, and includes all the key costs (we’ve explained them all just below too).
Simply enter in your own figures, such as the selling and purchase price of your property, a little bit about your moving fees, and we’ll calculate the key moving costs in seconds.
Stamp Duty (technically called Stamp Duty Land Tax) is the tax you’ll pay on your new property (not selling your old home), and unfortunately it’s a lot.
We’ve used the latest rates behind the scenes to give you an accurate figure, but if you’re keen to learn more, check out our Stamp Duty calculator.
If you're not a UK resident, you’ll pay an extra 2% in England and Northern Ireland.
If you’re buying in Wales, you’ll pay the equivalent of Stamp Duty, called Land Transaction Tax (LTT). Here’s our Land Transaction Tax calculator to learn more.
If you’re buying in Scotland, you’ll pay Land and Buildings Transaction Tax (LBTT) instead of Stamp Duty. Here’s our Land and Buildings Transaction Tax calculator to learn more.
Total fees are all the moving home fees added together. You can customise all the moving fees to suit your circumstances, and include estate agent fees, legal fees, mortgage set-up fees, removal company fees and any other fees you might have.
We’ve calculated how much you’ll likely need for a mortgage on your new home – which is the amount remaining after selling your current home and paying Stamp Duty and all the other moving fees.
Equity is how much of your home you own, rather than the bank (via their mortgage). So the equity is all yours – if you were to sell your home, this is how much you’ll get back in cash (minus any fees such as legal and estate agent fees).
Loan-to-value (LTV) is how much the mortgage covers your new home, and it’s measured as a percentage. So if the LTV was 80%, the mortgage would cover 80%, and you’d ‘own’ the remaining 20% yourself (and this 20% is called equity).
It’s important in mortgages, as the lower the LTV, typically the lower your mortgage rate will be – as banks prefer to lend money to people with lower LTVs and it means less of their money is at risk if they had to sell the property (for instance if you didn’t pay the mortgage).
Nuts About Money tip: if you’re in the market for a mortgage, check out our easy to use mortgage comparison tool.
This is how much you’re buying your new home for.
This is how much you are selling your current home for.
This is how much is left on your current mortgage.
When it comes to Stamp Duty (explained above), if you’re a non-UK resident and buying your home in England or Northern Ireland, you’ll need to pay extra in tax, which is 2% on top of the normal Stamp Duty rate.
Nuts About Money tip: you can find all the current rates on our Stamp Duty calculator (this moving cost calculator has all the correct and up-to-date rates behind the scenes).
Wales has their own rates for Stamp Duty, which is technically called Land Transaction Tax (LTT). We’ve included all the up-to-date rates behind the scenes.
Nuts About Money tip: check out our Land Transaction Tax (LTT) calculator to learn more.
Scotland has their own rates for Stamp Duty, which is technically called Land and Buildings Transaction Tax (LTT). We’ve included all the up-to-date rates behind the scenes.
Nuts About Money tip: check out our Land and Buildings Transaction Tax (LBTT) calculator to learn more.
If you use an estate agent, this is how much you’ll pay to your estate agent to sell your home. Some agents price their fees as a percentage, and some as a fixed fee – so we’ve included both options.
These fees are how much you’ll pay your solicitor (often called a conveyancer) to sort out the legal side of selling your current property.
These fees are how much you’ll pay your solicitor (often called a conveyancer) to sort out the legal side of buying your new property.
When you get a mortgage, you might have fees that the mortgage lender charges you when taking out the mortgage. This is often called an arrangement fee. Not all mortgages have these, and if you do have them, you can choose to pay them out of your pocket immediately, or add the fees to your mortgage to repay over time.
Nuts About Money tip: check out our mortgage comparison tool to compare all the latest mortgage rates based on your circumstances.
When assessing your new property, you might get a survey to make sure it’s all in good shape, such as the roof is in good condition, and that there are no issues on the legal side either.
Getting technical, you might know this as a RICS Homebuyer report, which is the standard report most surveyors would use.
There are also a range of surveys you could get, depending on the property itself.
These are fees to move all your things from your old house to your new home, such as hiring a removal company and van. This is optional, and you could move everything yourself for free.
This is for any other fees you might have based on your own circumstances.
There’s no such thing as the average cost of moving home, as every home move is unique, but expect to pay thousands overall. The costs vary quite wildly depending on things like which property you’re selling, which property you’re buying, where it is in the UK, and which services you’re using to actually move home, such as which conveyancer you use, home removal company, how far you’re moving, and even things such as which mortgage you’re getting.
That’s why we’ve put together this moving home cost calculator, so you don’t have to worry about the average cost, you can plan for your exact circumstances and get a rough cost in just a few seconds. We hope it’s helped!
Although not one-off costs when moving home, you might want to think about the future ongoing costs that you might need either for a short while, or for the long term. For instance, your council tax might change, and this could go up by quite a bit (£100s per month). It could also drop if you’re lucky.
There’s also home insurance for your new house (again could be £100s), which might go up if you’re buying a bigger home, and in a different location. Then there’s things such as postal redirection so you can get any letters sent to your old address (around £100 per year).
And when it comes to selling your home, there’s even things like a new EPC report to think about, which is an energy performance certificate, and reviews how energy efficient your home is.
You might also want to get a professional cleaner for both your old home and your new home.
This is important, don’t forget about or underestimate the cost of your service charge, which is what you pay each month for the maintenance of the building and shared areas of your home. This includes buildings insurance too (but not insurance for things inside your home, called contents insurance).
Due to lack of oversight from any government body, and very lax laws, these can be eyewateringly high (£1,000s per year), and is currently a national scandal, so please do your research on both who the freeholder is (owner of the building), who the managing agent is (look at their reviews), and where the service charge money is going (are any services that you’ll be paying for actually provided?).
You might also want to think about a budget for staying somewhere if your home move doesn’t quite align from moving out of your home to moving into your new home. You might have to rent a property for a short while (unless you’re lucky enough to have friends or family with lots of spare room!). This is likely to be £1000s per month.
You may also need to store your belongings temporarily if you’re going to be between moves, and this is likely to be £100s per month, and moving costs to and from.
We hope that’s helped you get a good estimate of all the costs you might have when moving home, and good luck with your move!
If it’s helped you, we’d love to hear from you. Here’s how to get in touch, and leave a review.
Christopher Dowling combines a communications degree with over 10 years experience in the financial services industry in London – with focus on educating people on a wide range of money topics in an easy to understand way. He writes about savings, investing, pensions, mortgages, insurance, banking, loans, business finance and other money topics.
This article was written, reviewed and fact checked by the expert team at Nuts About Money. You’re in safe hands. Learn more.
We're experts in all things mortgages, with years of combined experience working in the mortgage industry, and some of our team are qualified mortgage advisors. We understand the ins and outs of mortgages, how to communicate mortgages in an easy to understand way (we hope you agree), and of course, how to get the best mortgage deal for you.
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