Built for buyers
We built YourHouseMove because the true cost of buying a home in the UK is far more than just the asking price. Stamp duty, legal fees, surveys, mortgage arrangement fees, and ongoing bills can add tens of thousands of pounds — and few tools make this easy to see upfront.
Free & independent
YourHouseMove is completely free to use. We have no affiliation with any mortgage lender, estate agent, or financial services provider. All calculations run locally in your browser — no data is collected, stored or shared.
All four UK nations
The UK has three separate property transaction taxes — SDLT in England and Northern Ireland, LBTT in Scotland, and LTT in Wales. We cover all of them, using the correct current rates for each region.
Up-to-date rates
All stamp duty rates, mortgage rate estimates, council tax Band D figures, water bills and energy costs are updated to reflect current 2025/26 conditions. We review and update the data regularly.
What the calculator covers
YourHouseMove goes beyond stamp duty to give you a complete picture of what you will spend when buying a home:
- Upfront buying costs — stamp duty (SDLT / LBTT / LTT), conveyancing, surveyor fee, mortgage arrangement fee, and Land Registry fee
- Mortgage payments — monthly repayments calculated from indicative LTV-based rates over your chosen term
- Ongoing running costs — council tax, energy, water, broadband and buildings & contents insurance, all estimated by region
- Custom items — add your own monthly or annual cost items for anything not covered
How we estimate costs
All tax calculations use current official rate tables and are calculated using the correct marginal (tiered) method. Running cost estimates are based on regional averages from publicly available data — they are deliberately broad to cover a wide range of property types and household sizes.
Every estimate can be overridden with your own figure, giving you confidence in the output.
Important disclaimer
YourHouseMove is designed to help you plan and budget. All figures are estimates for general guidance only and do not constitute financial, tax or legal advice. Tax rules, interest rates and utility costs change regularly. Before making financial decisions, always seek independent advice from a qualified mortgage broker, solicitor and/or financial adviser.