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Free UK financial calculators — please read before using this site

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🏡 Complete Home Buyer's Guide

What is a mortgage, stamp duty, all costs, government schemes and more — explained simply

Guidance only - not financial advice. Results are estimates. Lenders may calculate differently. Do not base any financial decision on these figures - for illustration only. Always seek advice from a qualified FCA-authorised financial adviser.

🎉 Buying a home is completely manageable once you know the numbers

This guide walks through every cost of buying and owning a home in the UK — from stamp duty and solicitor fees to monthly running costs, government schemes and what nobody tells you about leasehold.

💰 One-Off Buying Costs

Cost	Typical Amount	Notes
Stamp Duty	£0–£30,000+	Use the calculator below
Solicitor / Conveyancer	£1,500–£3,000	Shop around — prices vary
Survey	£300–£1,500	Always worth doing
Arrangement Fee	£0–£2,000	Some deals charge to set up

🧮 Stamp Duty / Property Tax Calculator

Property price

Buyer type

Where is the property?

🏴󠁧󠁢󠁥󠁮󠁧󠁿 England & N. Ireland 🏴󠁧󠁢󠁳󠁣󠁴󠁿 Scotland 🏴󠁧󠁢󠁷󠁬󠁳󠁿 Wales

🏛️ Government Schemes for First Time Buyers

Shared Ownership — Buy 10–75% of a property, pay rent on the rest. Lower deposit needed but you pay both mortgage AND rent. See our full guide for the selling-in-new-development warning.

Lifetime ISA (LISA) — Save up to £4,000/year, government adds 25% bonus (up to £1,000/year free). Must be used for first home (under £450k) or retirement. 25% penalty if withdrawn for other purposes.

First Homes Scheme — New builds at 30–50% discount. Discount passes to next buyer when you sell — your pool of buyers is restricted to eligible first time buyers only.

Mortgage Guarantee Scheme — Buy with just 5% deposit on properties up to £600,000. Government backs the lender. Higher rates apply.

Disclaimer: SDLT (England & N. Ireland), LBTT (Scotland) and LTT (Wales) rates shown are correct as of March 2025. Tax rules can change — always verify with HMRC, Revenue Scotland, the Welsh Revenue Authority, or your solicitor before completing a purchase.

Cookie-Free.co.uk is not FCA regulated and does not provide financial advice. For illustration only.