How much cash do I need up front?
Your deposit is only part of it. See the full upfront cash you need, including Stamp Duty, solicitor, survey, mortgage and removal fees.
Fees are typical UK estimates. Your quotes may differ.
The least you'll need saved
£4,050
A 5% deposit plus Stamp Duty and fees.
| Deposit | £0 |
| Stamp Duty | £0 |
| Solicitor / conveyancing | £1,500 |
| Mortgage arrangement fee | £1,000 |
| Survey | £500 |
| Mortgage valuation | £250 |
| Removals | £800 |
| Total | £4,050 |
How we worked this out
What we assumed
- Typical UK fee estimates: solicitor £1,500, mortgage fee £1,000, survey £500, valuation £250, removals £800.
- Plus your Stamp Duty (England & NI, first-time buyer relief applied) and a 5% deposit, the smallest most lenders accept.
- Stamp Duty and fees are paid in cash, so they come out of your savings first. What's left is your deposit.
Fees vary by provider and property. Get real quotes before you budget.
Where the numbers come from
Last checked 28 September 2026. These are guidance figures, not a quote or financial advice.
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