The complete guide to house buying costs in 2026

Buying a house in 2025 costs more than just paying the asking price and deposit. From the moment your offer is accepted, there’ll be home buying costs that can add 10% to 15% the total costs.

From the legal work to stamp duty, removals and ‘hidden costs’ you might not first think of, own a home might cost more than you think.

Here’s what you’ll typically need to budget for when buying a house and moving:

• Mortgage deposit = % of the home value
• Conveyancing fees = £800 - £2,000
• Disbursements = £380 - £445
• Mortgage fees = £100 - £600
• Mortgage broker = £150 - £600
• Surveys = £400 - £1,500
• Stamp Duty = 0% to 12% of the home value
• Removal costs = £350 - £2,000+
• Insurance = £150 - £400
• Furniture and fittings = Varies (see section 10)
• Ongoing costs = Varies (see section 11)

Costs: 5-20% of the home’s purchase price

Your deposit is likely the biggest upfront cost when buying a home – it’s the cash you put down while your mortgage covers the rest.

How much do you need?

Most lenders want at least 5% as a deposit, but putting down 10% or more typically gets you better mortgage rates and a wider choice of lenders.

Deposit costs examples: 

• £200,000 house: £10,000 (5%) to £40,000 (20%)
• £300,000 house: £15,000 (5%) to £60,000 (20%)
• £400,000 house: £20,000 (5%) to £80,000 (20%)

What if I already owning a home? If you already own a home, you can use the equity (money) you’ve already built up in your current property as a deposit. Meaning you might not have to save for a deposit at all.

First-time buyer? Read our guide on government schemes and first-time buyer benefits here.