Moving House Cost Calculator UK (2026/27)
This moving house cost calculator helps you estimate the total cash needed to sell your current home and buy your next one. It is designed for UK movers who want a clearer picture of the full cost of moving, not just the deposit for the next property.
Alongside sale proceeds and mortgage balances, it also includes the transaction fees, moving costs and home setup costs that can make a move more expensive than expected.
What this calculator includes
- Estimated sale proceeds after mortgage balance and selling costs
- Deposit required for the next home based on purchase price and mortgage amount
- Buying costs such as legal fees, surveys, mortgage fees and searches
- Property tax entered manually for your circumstances
- Moving-day costs such as removals, packing materials and storage
- Overlap costs if both homes run at the same time
- Setup costs such as cleaning, repairs, decorating and appliances
- A contingency amount for unexpected moving costs
How it works
The calculator starts by estimating how much equity you may release from the sale of your current property after repaying the existing mortgage and deducting selling costs. It then compares that figure with the cash needed for your next purchase, including the deposit and the other costs involved in moving.
This gives you an estimate of whether your sale proceeds may be enough to fund the move, or whether you may need additional cash.
Why your result may be different
This is a planning tool, so your actual moving costs may differ depending on estate agent agreements, conveyancing fees, lender charges, the type of survey you need, property tax rules, and whether your move is delayed or overlaps with another property.
- Property tax may vary depending on location, reliefs or surcharges
- Mortgage fees and legal fees can differ by lender and solicitor
- Removal and storage costs can change with distance and timing
- Unexpected repairs or furnishing costs can increase the total
Who it’s for
- Homeowners selling one property and buying another
- People checking whether sale proceeds will cover the move
- Movers budgeting for overlap costs and hidden extras
- Anyone wanting a more realistic moving budget before making an offer
Moving house cost examples
- A mover selling at £280,000 and buying at £340,000 can use the calculator to estimate whether sale proceeds cover the next deposit and fees.
- A household facing one month of overlap can see how existing mortgage or rent commitments affect total cash needed.
- A buyer planning repairs, decorating and new appliances can test how much contingency to keep aside before moving.
Important note
This calculator provides estimates only and does not constitute financial, mortgage, tax or legal advice. Always confirm costs with your solicitor, lender, broker, estate agent or tax adviser before committing to a move.
Use the calculator above to estimate your moving costs and check whether your sale proceeds are likely to cover the full move.