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The total cost of moving home typically falls between £8,000 and £20,000 on top of your mortgage, depending on the property values involved. That figure surprises most people. Breaking it down into individual items makes it manageable and helps you plan properly.
Stamp Duty Land Tax Stamp Duty Land Tax applies when you buy a property in England or Northern Ireland. From April 2025, the nil-rate threshold for home movers returned to £125,000, meaning you pay 2% on the portion between £125,001 and £250,000 and 5% on the portion from £250,001 to £925,000. On a £350,000 purchase, the stamp duty bill comes to £7,500. First-time buyer relief does not apply when you are moving from one property to another.
Solicitor and Conveyancing Fees Because you are selling one property and buying another, you will typically pay two sets of legal fees. Conveyancing fees for a sale and purchase usually range from £1,000 to £2,000 per transaction. Some solicitors offer a combined package that reduces the total slightly. You will also pay Land Registry fees, local authority searches and any additional charges that apply to leasehold properties.
Estate Agent, Survey and Removal Costs Estate agent fees in England typically run between 1% and 1.5% of your sale price, though this is negotiable. A HomeBuyer Survey costs between £400 and £750 depending on the property. Removal costs vary but expect to pay between £800 and £2,500 for a standard domestic move. If your current mortgage has an early repayment charge, check your mortgage offer before agreeing a sale date, as this can add several thousand pounds to your total.
