The Costs of Moving Home (Beyond Your Deposit)
Moving home costs more than just the deposit. Learn about stamp duty, solicitor fees, surveys, removals, and other expenses to budget for.
Most movers focus on saving a deposit — but that is only part of the picture. Moving home comes with a range of extra costs that can add up quickly. Failing to plan for them can leave you stretched at the worst possible time.
Here is a breakdown of the main costs beyond your deposit and how to budget wisely.
Stamp duty
For many buyers, stamp duty is the biggest additional cost. The amount depends on the price of your new home and whether you qualify for any exemptions or reliefs. Planning for this early avoids last-minute surprises.
Solicitor and legal fees
Conveyancing fees cover the legal side of buying and selling. Expect to pay for searches, contracts, and registration with the Land Registry. Cheaper does not always mean better — an experienced solicitor can save you stress.
Valuation and survey fees
Your lender will arrange a valuation to confirm the property is worth what you are paying. You may also choose a more detailed survey for peace of mind. These costs vary but are an important safeguard.
Estate agent fees
If you are selling, estate agent fees can be a significant outgoing. These are usually a percentage of the sale price, so factor them into your overall moving budget.
Removals and moving costs
Hiring a removals company makes moving day easier but comes at a cost. Even DIY van hire, packing materials, and time off work add up. Budgeting realistically prevents stress later.
Mortgage fees
Arrangement fees, booking fees, and broker fees may apply when setting up your new mortgage. Some can be added to the loan, but paying upfront avoids extra interest over time.
Ongoing costs in your new home
Council tax, utilities, and maintenance may be higher in your new property. Including these in your calculations ensures you do not overstretch yourself after moving.
The Bottom Line
Moving home is about more than just the deposit. By understanding all the costs upfront, you can budget confidently and avoid financial surprises.
Your home may be repossessed if you do not keep up repayments on your mortgage or other loan secured against it.
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They typically range from £800 to £1,500 depending on the property and service.
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Not always. It depends on the property value and whether you are a first-time buyer or moving home.
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Yes, but it means paying interest on them. Paying upfront is usually cheaper long term.
