Why fees matter more to a £150,000 budget
The calculator's core non-tax transaction range is £1,935 to £4,335. It covers legal work, searches, survey and valuation, mortgage fees, registration and bank-transfer fees; it excludes the deposit, property tax, moving, insurance, furnishing and contingency.
In the England home-mover planning example, costs above the 10% deposit are £5,055. This is why a buyer who has saved exactly £15,000 has not yet funded the full purchase process.
A smaller price, three different deposit targets
A five-point change in deposit percentage moves the cash deposit by £7,500 at this price. The mortgage figures are arithmetic illustrations, not lending or affordability decisions.
The table below shows deposit amounts for a £150,000 purchase, with columns for Deposit, Cash deposit, and Illustrative mortgage.
| Deposit | Cash deposit | Illustrative mortgage |
|---|---|---|
| 5% | £7,500 | £142,500 |
| 10% | £15,000 | £135,000 |
| 15% | £22,500 | £127,500 |
| 20% | £30,000 | £120,000 |
On smaller screens, scroll sideways to view every column clearly.
Property tax is not the same across the UK
The calculator produces £500 SDLT for an England home mover, £100 LBTT in Scotland and £0 LTT in Wales. Registration and estimate-led costs can also vary.
First-time buyer status changes the England example, so use the row matching both your nation and buyer type.
The table below shows calculated £150,000 examples by nation and buyer type, with columns for Scenario, Property tax, and Estimated cash with 10% deposit.
| Scenario | Property tax | Estimated cash with 10% deposit |
|---|---|---|
| England first-time buyer | £0 | £19,555 |
| England home mover | £500 | £20,055 |
| Northern Ireland home mover | £500 | £20,197 |
| Scotland home mover | £100 | £19,683 |
| Wales home mover | £0 | £19,544 |
On smaller screens, scroll sideways to view every column clearly.
Replace the £150,000 example with your own quotes
Run this price in the calculator, choose your nation and buyer type, then replace market estimates with current transaction quotations.
Go to the calculatorCompare nearby property prices
If you are budgeting around this price point, it can help to compare nearby price points because deposit size, tax treatment and total upfront cash can change quickly.
FAQ
Questions buyers usually ask
Is £15,000 enough to buy a £150,000 house?
£15,000 is a 10% deposit, but it is not the full cash target. The stated England home-mover example totals £20,055 after tax, estimated transaction costs and selected planning allowances.
How much is a 5% deposit on £150,000?
A 5% deposit is £7,500. Product availability and affordability are lender decisions.
Does every £150,000 buyer pay property tax?
No. The result depends on the UK nation, buyer type and any additional-property treatment. The comparison table uses the site's current tax engine for each stated scenario.
Editorial record
- Page reviewed
- 19 July 2026
- Calculator data
- 2026.07.1
Official charges use linked public rules; quote-led figures remain planning assumptions until you replace them. Read the source and calculation method or report an error.