The monthly payment is only part of the picture. Free mortgage calculator for the United Kingdom: monthly repayments, deposit and the cash you need on day one, including every buying cost and tax.
Costs on top of the price
£4,900
Moving home · England & N. Ireland ·
What do you want to work out?
Your monthly repayments, the deposit and the cash you need on day one.
Monthly repayment
Loan
£187,500Deposit
£62,500Total interest
£125,156If rates rise 1%
£1,151If rates rise 2%
£1,266Cash needed on day one
£67,400Example rate only, not a quote or mortgage advice. Rates change daily and depend on you; speak to a lender or a regulated mortgage broker. Your home may be repossessed if you do not keep up repayments on your mortgage.
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Reach people working out the cost of buying in the United KingdomFor lawyers, brokers, surveyors and agents serving the United Kingdom. Shown only on these pages, labelled as sponsored.Where are you buying?
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Questions
Moving home in England & N. Ireland: stamp duty is about £2,500. All buying costs together come to about £4,900, or 2.0% of the price. Change the price or buyer type above to see your own figure.
In England and Northern Ireland, buyers who haven't lived in the UK for 183 days in the year before buying pay an extra 2% stamp duty. Scotland and Wales have no non-resident surcharge.
Anyone can buy, whatever their nationality.
A UK solicitor or licensed conveyancer. ID and proof of where your money comes from.
We last updated the figures on 15 Oct 2026 and checked them against official sources on 16 Oct 2026. We check every country every week, and show a warning if a check is overdue.
Guides
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