What will it actually cost to move?
Moving home is more than the deposit. Add up the real upfront cash — stamp duty, legal fees, a survey, the mortgage fee and removals — and, if you're selling too, net off the equity your sale releases. You'll see exactly how much you need to find. Free, no sign-up.
A guide, not financial advice. The defaults are typical UK figures — replace them with real quotes once you have them. It assumes your deposit is cash you're providing (if it comes from your sale, that's already counted in the equity released). Estate agent fees usually have VAT on top; check whether a quote includes it. Talk to your solicitor and mortgage broker for exact costs. Nothing you type here leaves your browser.
It's the costs around the deposit that catch you out.
Stamp duty is the big one above the first-time-buyer thresholds, and it's due within 14 days of completion — there's no spreading it. Work it out properly for your situation, because the surcharges and reliefs change the number a lot.
The smaller costs add up. Conveyancing for the purchase, a survey, a mortgage product fee, and removals together often come to several thousand pounds on top of the deposit. Budgeting for them early stops a nasty surprise the week before completion.
If you're selling too, your equity does the heavy lifting. The cash released from your sale — the price, less the mortgage you still owe, less agent and legal fees — usually funds most or all of the move. This tool nets that off so you can see whether you need to find extra cash or you'll have money left over.
Get real quotes. The figures here are sensible starting points, but conveyancers, surveyors and removals firms vary widely — a few quotes can save hundreds.
Moving soon? Keep it all in one place.
Stead holds your whole move together — the key dates and to-dos, the documents and certificates, the suppliers to set up at the new place. Then it keeps your new home organised long after the boxes are unpacked.