Everyday Tool
Home Move Cost Planner
Plan the likely cost of buying, selling, or doing both together with a clear England-focused breakdown.
Move Type
Choose the kind of move you want to model. The sections below adapt automatically.
Purchase Details
Enter the target property price, deposit, and SDLT assumptions for England.
Selling Position
Keep the sale price, mortgage redemption, and seller costs together so the equity picture is easier to follow.
New Mortgage Fees
Add fees linked to the property you are buying.
Legal & Survey
Use the defaults as a starting point or override any number.
Moving & Setup
These costs are situational, so they are helpful places to customise your own plan.
Contingency
Use a fixed buffer or calculate one as a percentage of the rest of the move costs.
Results
England residential SDLT planning only. Figures should be checked with your solicitor, broker, or the official calculator before acting on them.
Sale to Purchase Flow
This view follows the practical path most movers care about: what the sale clears, what the fees remove, what equity is left, and what that means for the next mortgage.
1. Sale price
Gross amount coming in from your sale.
Includes SDLT, buyer solicitor, searches, survey, mortgage fees, broker fee, buildings insurance, and any leasehold allowance. Deposit is not included in this line.
4. Estimated new mortgage needed
£277,639.00
Roughly the gap between the next purchase price and the funds created by the sale after buyer costs.
Extra cash still needed outside the purchase price
£3,850.00
This captures moving costs and contingency, plus any shortfall if the sale does not fully cover buying fees.
Assumptions
- SDLT uses England residential rates and current configured bands.
- This estimate is for planning only and should be checked with your solicitor, broker, or official tax calculator.
Useful Notes
Cash needed before completion includes deposit, SDLT, buyer legal fees, searches, survey, mortgage fees, and optionally a few immediate moving costs.
Estate agent fees can be modelled as a percentage or fixed fee, with VAT controlled separately.
The planner saves your assumptions in local browser storage on this device only.
What it covers
This planner is built for ordinary residential home moves in England and helps you budget for both the obvious and easy-to-miss costs around a move.
It includes deposit planning, England SDLT, solicitor fees, mortgage costs, estate agent fees, removals, insurance, contingency, and an upfront cash-needed figure.
You can model buying only, selling only, or a linked sale-and-purchase move, then export or print a summary once the numbers feel realistic.
Planning Notes
SDLT is calculated using the current England residential bands configured in the app, including first-time buyer relief and the additional property surcharge toggle.
Figures shown here are estimates for planning rather than quotes. Actual timing and final charges can vary between lenders, solicitors, local authorities, and removal firms.
Use this as a budgeting tool first, then check the final numbers with your conveyancer, broker, or official tax guidance before exchange or completion.
