Calculate closing costs

Itemise cash needed to complete a residential purchase in England or Northern Ireland under current SDLT rates.

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ToolClosing Costs Calculator
Input
Output
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How it works

The shared current-rate calculation derives SDLT from price and buyer type, then legal, survey, lender, and other one-off fees are added. Non-tax fees default to 0 because transaction quotes vary, and total cost is also expressed as a percentage of price.

Formula
completion costs = SDLT + legal + survey + lender + other one-off fees
  • The same SDLT module serves this page and the dedicated tax page so thresholds cannot drift apart.
  • Recurring mortgage payments, insurance, maintenance, and service charges are excluded.

Worked example

A 250,000 buy-to-let purchase
Solicitor and survey at typical amounts, plus 300 of other costs
Input
											Property price: 250000
Buyer type: additional
Legal fees: 1500
Survey fee: 500
Mortgage arrangement fee: 0
Other costs: 300
Output
												Stamp duty land tax: 15000
Legal fees: 1500
Survey fee: 500
Mortgage arrangement fee: 0
Other costs: 300
Total closing costs: 17300
Total closing costs percent of price: 6.92

When to use this

Conveyancer completion statements, mortgage cash budgets, and buy-to-let acquisitions combine SDLT with quoted legal, survey, lender, and due-diligence fees.

Edge cases

  • Leaving a fee blank adds 0 rather than an unsupported national average.
  • A first-time purchase above £500,000 loses relief and uses standard SDLT bands on the full price.
  • Scotland, Wales, non-resident and corporate surcharges, lease rent NPV, linked transactions, and recurring ownership costs are excluded.

References