How much cash do you actually need?

The deposit is only the start. Stamp duty, legal work and the survey all want paying before you get keys. This totals the lot, with stamp duty calculated properly for all four UK nations, and splits it if you're buying with someone.

Purchase price (£)

Deposit %

Legal & conveyancing (£)

Survey (£)

Refurb budget (£)

Other (sourcing fee, broker…) (£)

Deposit (25%)	£30,000
SDLT (auto-calculated)	£6,000
Legal + survey + refurb + other	£2,000

Total cash needed

£38,000

Splitting between

ⓘ Stamp duty uses our verified four-nation calculator. See the full band-by-band working here. Doesn't include mortgage arrangement/broker fees (often £0 to £1,500). Add them under Other.

Where these numbers come from: the first-home guide walks the whole process with a full cost table, and the stamp duty guide explains the bands this tool applies.

Education, not financial advice. Sanity-check your budget in the free Discord.