Moving house guide
Work out what a sale may actually leave you with after mortgage repayment, estate agent fees, photography or marketing extras, solicitor costs, EPCs, exit fees, and any early repayment charge.
When you sell a house, the number that matters is not simply the agreed sale price. The useful planning figure is what remains after your current mortgage is repaid and the selling costs have been taken out.
For many home movers, this net sale proceeds figure becomes the pot that can go toward the next purchase. If it is lower than expected, the new mortgage or cash contribution may need to change.
If you are selling a leasehold property, ask about management packs, notice fees, landlord replies, deeds of covenant, share of freehold admin, and managing-agent charges. These are not always obvious at the start of the sale.
This guide was last reviewed on 7 May 2026. GOV.UK says you normally need an EPC when selling a property, and it is valid for 10 years.
Main homes often qualify for Private Residence Relief from Capital Gains Tax, but second homes, investment properties, let property, or unusual circumstances can be different. Check official guidance if this may apply.
Useful checks: GOV.UK EPC guidance and tax when selling your home.
Ready to use your own figures?
The guide gives the context. The calculator brings your sale price, purchase price, mortgage, fees, removals, and contingency together in one place.
Moving house guides
Use the calculator for the numbers, or open one of these guides for the extra context, assumptions, and planning checks behind each part of a move.
A 2026 guide to removals, setup costs, fees, and what people often forget.
Read guideStamp Duty, legal fees, surveys, mortgage costs, and buyer-side planning.
Read guideEstate agent fees, mortgage redemption, EPCs, solicitor costs, and sale proceeds.
Read guideHow sale proceeds, buying costs, moving costs, and the next mortgage connect.
Read guide