Whether you are buying a home or simply remortgaging, we will ensure you are aware of the related costs that are likely to arise - putting you in total control. The table below gives an idea of the likely charges you will need to consider. The actual costs will depend on the price of the property you’re buying and the amount of deposit you can put down.
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| Likely one-off costs | Buying for the first time | Moving home | Remortgaging |
| Mortgage arrangement/ application fee |
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| Higher lending charge (may be applicable if you borrow more than 75% of the property value) | |||
| Valuation/survey fees | |||
| Homebuyer's survey (optional) | |||
| Early repayment charge | |||
| Estate agents fees | |||
| Broker fee | |||
| Solicitor/conveyancing fees (including Land Registry fees) | |||
| Reservation fee (new build homes only) |
|||
| Stamp duty (see below) | |||
| Removals | |||
| Home information pack |
Stamp duty land tax now applies to any property purchase over £175,000, unless your property is in a disadvantaged area where separate rules apply. The table below shows you the current limits (as at September 2008).
| Purchase price of property | Stamp duty, as a % of the total purchase price |
| up to £175,000 (until 2 September 2009 inclusive) |
0% |
| £175,001 - £250,000 | 1% |
| £250,001 - £500,00 | 3% |
| Over £500,000 | 4% |
Our expert mortgage advisers will help you through the process step-by-step, working out how much you can borrow, how much it will cost, and what type of mortgage may be most suitable for you. They will even take care of all the paperwork for you, so you don't need to worry about a thing.
Plus get up to £600 towards solicitor’s and valuation fees with FREE Buyer's Protection should your house purchase fall through.
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Find out how much you can borrow with our handy calculators
Savings limited?
If your savings are limited or your income is not sufficient to obtain the level of mortgage that you require, there are more ways of getting your dream home.
How much does it cost?
Find out what it will all cost when buying or selling a home.
Your home may be repossessed if you do not keep up repayments on your mortgage.
A fee may be charged for mortgage advice. A typical example is £500. The precise amount will depend on your circumstances.