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TrueHomeCosts
UK home buying cost guide

Updated for 2026

Cost to buy a £475,000 house in the UK

This page gives a quick £475,000 buying-cost estimate for buyers who want the deposit, extra fees and likely total cash target in one place.

Direct answer

The total cost to buy a £475,000 house in the UK is the deposit plus all upfront costs needed to complete the purchase. A buyer using a 10% deposit would need around £47,500 for the deposit, plus several thousand pounds more for legal fees, surveys, mortgage costs, moving and setup.

Typical cost breakdown for a £475,000 house

  • 10% deposit: £47,500
  • Stamp duty or property tax: £0–£25,000 depending on buyer type
  • Legal fees: ~£800–£1,800
  • Surveys: £300–£1,000+
  • Mortgage fees: £0–£2,000+
  • Moving and setup costs: £500–£2,500+

Practical note

Deposit, property tax, legal fees, surveys, mortgage costs and moving and setup are the main lines buyers usually need to cover.

Typical total upfront cash needed

Typical total upfront cash needed for a £475,000 house:

£54,000–£78,000+ depending on buyer type, location and assumptions.

Most buyers should expect their deposit plus £7,000–£32,000+ in additional upfront costs.

Why the total cost can vary

At £475,000, the total is more sensitive because tax treatment, deposit scale and buyer type all start to bite harder. A first-time buyer, home mover and additional-property buyer can all see meaningfully different totals even before practical extras are added.

SDLT, LBTT and LTT still set the official framework, but survey choice, property condition, mortgage fees and moving costs remain important too. On a £475,000 purchase, even ordinary variation across those lines can move the total by several thousand pounds.

Use the true cost of buying a house calculator to personalise this estimate based on your deposit, buyer type and location.

Useful next checks

Use the true cost of buying a house calculator, review the hidden costs of buying a house, and check stamp duty explained, mortgage fees and costs, and moving costs in the UK to compare this estimate with your full buying budget.

What this page is based on

Trust and data notes

  • ReviewedUpdated for 2026 where the property tax rules and planning ranges on this £475,000 page have been reviewed for budgeting use.
  • 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

Typical total upfront cash needed

About £54,000–£78,000+ on a £475,000 purchase, depending on deposit size, buyer type, tax treatment and moving assumptions.

Example 10% deposit

A 10% deposit is £47,500 before legal fees, surveys, mortgage costs and moving are added.

Best fit

Useful for first-time buyers, home movers and buyers comparing how a £475,000 budget changes across the UK.

Buyers should check

Property tax treatment, survey scope, mortgage charges, moving costs and whether the property is simple or more complex.

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

  • property tax for the relevant UK nation
  • published registration fee scales where applicable

Estimate-led items

  • legal fees
  • surveys
  • mortgage fees
  • moving costs
  • setup buffer

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 Hidden costs of buying a house in the UK, Stamp duty explained: UK property tax in plain English, Mortgage fees and costs in the UK and Moving costs in the UK.

Try your own £475,000 scenario

Use the calculator to test a £475,000 purchase with your own deposit, buyer type and location instead of relying on one fixed estimate.

Go to the calculator

Compare 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.

Cost to buy a £425,000 houseCost to buy a £450,000 houseCost to buy a £500,000 houseCost to buy a £600,000 house

FAQ

Questions buyers usually ask

How much deposit do I need for a £475,000 house?

A 10% deposit is £47,500. A 5% deposit would be £23,750, a 15% deposit would be £71,250, and a 20% deposit would be £95,000, so the right target depends on mortgage options and how much cash you still need for fees.

What are the extra costs beyond the deposit?

The extra costs usually include legal fees, surveys, mortgage costs, property tax where it applies, and moving and setup spending. Buyers should treat those separately from the deposit rather than assuming they will stay small.

Do first-time buyers pay stamp duty on a £475,000 house?

That depends on the nation, the current rules and the buyer's exact situation. First-time buyers may face a lighter tax position than home movers or additional-property buyers, but SDLT, LBTT and LTT do not all work the same way.

How much savings should I have in total?

A practical planning target is about £54,000–£78,000+ in total upfront cash on a £475,000 purchase, depending on buyer type, location and assumptions. That range is a planning estimate, not a guaranteed quote.

Related guides

Read next

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.

Stamp duty explained: UK property tax in plain English

Understand stamp duty and UK property purchase tax in plain English, including SDLT, LBTT, LTT, first-time buyer treatment, second-home costs and the main 2026 differences by nation.

Mortgage fees and costs in the UK

A practical guide to mortgage fees and costs in the UK, including broker fees, advice charges, booking fees, arrangement fees, valuation costs, ERCs and exit fees.

Moving costs in the UK

Budget for moving costs in the UK, including removal company prices, packing services, storage, mail redirection, locksmith work, cleaning, broadband and utility connection fees.

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.

Data sources

These are the primary public sources used for official-rate items and reference checks on this page. Estimate-led costs elsewhere on the site remain planning ranges rather than government charges.

Disclaimer

Figures on TrueHomeCosts are for guidance only. Rules, tax bands and market fees can change. Some costs shown are estimates rather than fixed official charges. Always verify important numbers with your solicitor, lender or the relevant official authority before making financial decisions. This content is informational only and is not financial advice.