What this page is based on
Trust and data notes
- ReviewedFactual figures and official sources were reviewed on 19 July 2026. Worked examples use calculator data version 2026.07.1.
- How to read the figuresOfficial charges and estimate-led costs are shown separately so buyers can see which parts of the total are fixed rules and which parts are planning ranges.
- When to double-checkFigures are guidance only. Buyers should check important numbers with their solicitor, lender or the relevant official authority before making financial decisions.
- Source styleThis page includes official-rate references and linked source notes where applicable.
Official reference points used on this page include HMRC SDLT residential property rates and Revenue Scotland LBTT residential rates and bands.
At a glance
Key facts buyers should know first
Property price
£450,000
10% deposit
£45,000
Core non-tax transaction range
£2,485 to £5,485. Deposit, property tax, moving, insurance, furnishing and contingency excluded.
Worked England home-mover total
£63,535 using the stated scenario, including £1,620 for moving and insurance.
Trust note
Official-rate items vs estimate-led items
TrueHomeCosts separates published rates from market-based assumptions so buyers can see which figures are official and which ones are planning estimates.
Official or published-reference items
- jurisdiction-specific property tax calculations
- applicable published registration charges
Estimate-led items
- solicitor/conveyancing
- searches
- survey and valuation
- mortgage fees
- moving
- insurance
- furnishing and contingency
How labels are used across the site
Official charge: based on published tax bands or fee scales.
Lender charge: fees tied to mortgage products, valuations or broker work.
Solicitor/conveyancing estimate: legal work and disbursement planning ranges.
Market estimate: surveys, moving, furnishing or other provider-led costs.
Optional cost: useful for planning, but not required on every purchase.
Situation-dependent cost: applies only to some properties or buyer types.
Plan the full picture
Use this guide with the right follow-up pages
Start with the homepage calculator to test your own numbers, then compare this topic with How much money do I need to buy a house in the UK?, Stamp duty explained: UK property tax in plain English, Hidden costs of buying a house in the UK and cost-to-buy-425k-house.
Deposit amounts on a £450,000 purchase
Deposit is user entered in the calculator. The percentages below are arithmetic examples, not lender requirements or product recommendations.
The table below shows common deposit percentages for a £450,000 property, with columns for Deposit percentage, Cash amount, and How to read it.
| Deposit percentage | Cash amount | How to read it |
|---|---|---|
| 5% | £22,500 | Alternative deposit planning point |
| 10% | £45,000 | Deposit used in the worked examples |
| 15% | £67,500 | Alternative deposit planning point |
| 20% | £90,000 | Alternative deposit planning point |
On smaller screens, scroll sideways to view every column clearly.
Calculator-derived examples by jurisdiction and buyer type
Every row uses the production tax, registration and total-cost functions. Property tax is an official calculation; the non-statutory lines remain planning estimates.
Deposit, property tax, core transaction costs, selected moving costs, insurance, furnishing and contingency.
The table below shows worked upfront-cash scenarios for a £450,000 purchase, with columns for Scenario, Property tax, Total upfront cash, and Scenario settings.
| Scenario | Property tax | Total upfront cash | Scenario settings |
|---|---|---|---|
| England first-time buyer | £7,500 | £58,535 | 10% deposit; average assumptions; moving and insurance included; furnishing excluded; 10% contingency |
| England home mover | £12,500 | £63,535 | 10% deposit; average assumptions; moving and insurance included; furnishing excluded; 10% contingency |
| Northern Ireland home mover | £12,500 | £63,875 | 10% deposit; average assumptions; moving and insurance included; furnishing excluded; 10% contingency |
| Scotland home mover | £18,350 | £69,763 | 10% deposit; average assumptions; moving and insurance included; furnishing excluded; 10% contingency |
| Wales home mover | £14,250 | £65,274 | 10% deposit; average assumptions; moving and insurance included; furnishing excluded; 10% contingency |
On smaller screens, scroll sideways to view every column clearly.
What the non-deposit cost range includes
The central low-to-high range for core non-tax transaction costs in the England home-mover scenario is £2,485 to £5,485.
Solicitor/conveyancing, searches, survey and valuation, mortgage fees, registration and bank transfer fee. Deposit, property tax, moving, insurance, furnishing and contingency are excluded.
Property tax is shown separately because it is calculated from jurisdiction and buyer type. Moving costs, insurance, furnishing and contingency are also separate so the scope is not hidden inside one broad figure.
Try this in the calculator
Run your own version of this scenario
Use the homepage calculator to change the property price, nation, buyer type and assumption level so you can compare the simple version of the budget with a more realistic one.
Open the calculatorWhy the same price produces different UK totals
England and Northern Ireland use SDLT, Scotland uses LBTT and Wales uses LTT. First-time buyer and additional-property treatment also differs, while registration is handled by the authority for the relevant jurisdiction.
Market estimates can change with the property, provider and quotations. Use the calculator to replace planning estimates with your own amounts.
Run your own £450,000 scenario
Change the jurisdiction, buyer type, deposit, assumption level, quotations and optional costs in the homepage calculator.
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.
Reference points
Official UK guidance
This guide is informed by publicly available UK guidance from official and consumer-support sources where relevant.
- HMRC SDLT residential property rates
- Revenue Scotland LBTT residential rates and bands
- Revenue Scotland Additional Dwelling Supplement guidance
- Welsh Revenue Authority LTT rates and bands
- HM Land Registry registration service fees
- Registers of Scotland registration fees
- Land & Property Services Northern Ireland fee guidance
Content notes
Reviewed and maintained by the TrueHomeCosts research team.
Our guides are built from official UK tax sources, public cost information and typical market price ranges. We separate fixed official charges from variable market estimates so buyers can see which figures are certain and which may change.
Last reviewed: 19 July 2026
Calculator data version: 2026.07.1
This content is for general guidance only and is not financial advice. For more detail, read how our estimates work or learn more about TrueHomeCosts.
FAQ
Questions buyers usually ask
How much deposit is 10% on a £450,000 house?
A 10% deposit is £45,000. This is the deposit setting used in the worked examples.
Are the worked totals official charges?
No. Property tax and applicable registration charges are official calculations or charges. Solicitor/conveyancing, searches, surveys, mortgage fees and optional costs are market estimates until replaced with quotations.
Does the example include furnishing?
No. The worked examples include moving and insurance but exclude the optional furnishing and setup allowance. A 10% contingency is applied to estimate-led costs.
Why are England and Northern Ireland shown separately if both use SDLT?
They use the same SDLT rules, but their land-registration systems and allowances differ, so the total can still change.
Related guides
Read next
How much money do I need to buy a house in the UK?
Work out how much money you need to buy a house in the UK, including the deposit, upfront fees, property tax, legal costs, surveys, mortgage charges, moving costs and a practical buffer.
Stamp duty explained: UK property tax in plain English
Stamp duty explained UK in plain English, including SDLT, LBTT, LTT, first-time buyer treatment, second-home costs and the main 2026 differences by nation.
Hidden costs of buying a house in the UK
A detailed guide to the hidden costs of buying a house in the UK, including solicitor fees, conveyancing disbursements, searches, surveys, transfer fees, indemnity policies and the practical extras buyers often miss.
Sources and checks
These are the main public sources used for official-rate items and checks on this page. Estimate-led costs remain planning ranges rather than government charges.
- HMRC SDLT residential property rates
- Revenue Scotland LBTT residential rates and bands
- Revenue Scotland Additional Dwelling Supplement guidance
- Welsh Revenue Authority LTT rates and bands
- HM Land Registry registration service fees
- Registers of Scotland registration fees
- Land & Property Services Northern Ireland fee guidance